Credit scoring from
patternsbehavior
Financial responsibility measured through real transaction patterns. Transparent, explainable, privacy-first.
One number. Complete transparency.
Every score comes with explainable drivers and confidence metrics.
How it works
Three steps from transaction data to actionable insight.
Aggregate
Securely connect bank accounts. We extract behavioral patterns, not personal data.
Analyze
Our models evaluate income stability, spending patterns, and financial resilience.
Score
Receive a transparent FRI score with clear drivers and confidence intervals.
Built for trust
Enterprise-grade infrastructure
Behavior-first
Transaction patterns reveal responsibility better than static history.
Explainable AI
Every score comes with human-readable reasoning.
Privacy by design
We process signals, never store raw transaction data.
Confidence-aware
Know when to trust the score and when to investigate.
Bank-grade security
SOC 2 compliant with end-to-end encryption.
API-first
Integrate in minutes with our RESTful API.