For product
Approval workflows
Route applicants to approve / review / decline with consistent thresholds across channels—web, agent, or partner white-label.
Credit & fraud signals · API-first
Underwriting shouldn’t rely ona payslip that doesn’t exist.Use behaviour you can verify.
CREDRA links verified accounts, turns cashflow into structured signals, and returns a single risk posture your team can wire into approvals—built for irregular income, mobile money patterns, and the way people actually earn and spend.
You stay the regulated surface; we stay the scoring and plumbing behind your APIs.
Grounded in cashflow
Scores come from what hits the account—not self-reported forms that go stale the same afternoon.
Built for messy reality
Gig work, remittances, and lumpy inflows are features, not exceptions—if your underwriting model knows how to read them.
Decisions you can defend
Exports and audit-friendly summaries so compliance isn’t an afterthought when someone asks why a case was declined.
Why teams use CREDRA
Credit decisions fail quietly when the data is thin—and loud when it’s wrong.
Most “AI credit” demos stop at a leaderboard model. CREDRA starts where your product already hurts: pulling reliable history, cleaning it without inventing facts, and returning a score your ops team can explain to a partner bank.
We’re not a lender. We’re the infrastructure that sits between open banking and your approval rules—so you can ship faster without trading away rigor.
- Consent-based account history you can rely on
- Clean timelines and consistent signals—not guesswork
- Scores and summaries your team can explain to partners
What you actually integrate
A thin API surface that stays testable—so your engineers spend time on product, not on rebuilding data plumbing for the fifth time.
For risk
Fraud & abuse signals
Catch velocity anomalies and inconsistent stories early—before they become portfolio surprises.
For partnerships
B2B-ready reporting
Summaries your bank partners can read without extra demos and follow-up calls.
From link to decision
The same path your customer experiences—without hand-waving what happens in the middle.
Step 1
Connect
The applicant authorizes the connection from your app. CREDRA pulls history and balances under consent—not screen scraping and hope.
Step 2
Normalize
Duplicates cleaned, spend classified, and a timeline you can query without duct-taped spreadsheets.
Step 3
Decide
A score and bands your rules engine maps to approve, decline, or manual review—delivered through your integration.
Built for teams shipping credit in the real economy
Where it fits
- Digital lenders & BNPL
- Embedded finance & marketplaces
- Insurance underwriting workflows
What you avoid
- Rebuilding bank parsers every quarter
- Opaque scores nobody can explain
- Governance gaps when scoring isn’t production-grade
Infrastructure—not a balance sheet
We don’t hold customer funds. CREDRA is the intelligence layer licensed partners plug into—so you can move fast without stepping outside your regulatory lane.
hello@credra.ioTell us what you’re underwriting and what “good” looks like for your portfolio—we’ll map the integration path.