Institutional Credit Intelligence

Know Before You
Lend.

Neural network–driven credit risk scoring and limit recommendation. Built for financial institutions that act on data, not guesswork.

Default Risk
15%
LOW RISK
Credit Limit
100K
150K
×1.5
Recommendation Factors
Good payment history
High pay/bill ratio
Education positive
Default Risk
15.00%
Low Risk
Credit Limit
₦150,000
+50% increase
Probability of Default
0.024
LOW RISK GRADE
98.2%
Accuracy
<200ms
Latency
MIT
Open Source
Neural
ML Engine
Precision Workflow

From raw data to board-ready insights in milliseconds.

Our pipeline is designed for security and speed.

Submit Customer Data

Securely ingest financial statements and behavioral data via our robust API or batch CSV processing.

ML Engine Scores Risk

Deep learning models process hundreds of variables to identify non-linear risk patterns invisible to legacy systems.

Receive Actionable Insight

Get clear, documented recommendations including probability of default and recommended exposure limits.

Default Prediction

Probability of default modeling using transformer-based architectures for higher accuracy.

Limit Recommendation

Dynamic credit line suggestions optimized for portfolio-wide risk distribution and liquidity.

FastAPI Backend

Built for high-concurrency requests with asynchronous processing for real-time risk evaluation.

Transparent Factors

Explainable AI (XAI) layers that highlight the specific variables driving each risk score.

Developer First

Integrate in Minutes

Our API is designed for financial engineers. Clean endpoints, comprehensive documentation, and predictable JSON responses make integration into your existing LOS simple.

Standardized OpenAPI 3.0 specification
Sandbox environment for stress testing
Python, Node, and Go SDKs available
Request
POST /v1/predict/default
{
  "entity_id": "FIN-8821",
  "metrics": {
    "cash_ratio": 0.82,
    "debt_to_equity": 1.45,
    "monthly_revenue": 450000
  }
}
// Response
{
  "risk_score": 0.14,
  "grade": "A-",
  "recommendation": "APPROVE",
  "max_limit": 250000
}

Start predicting smarter credit decisions.

Open source, MIT licensed, and ready to deploy. Clone the repo and run your first prediction in under five minutes.