RISK EVALUATION API

CrediScore Engine™

Unlock the sub-prime market with true predictive precision. Securely underwrite users lacking traditional banking history by leveraging mobile telemetry, alternative cash-flow behavioral patterns, and telco data without inflating your NPL (Non-Performing Loans).

• ✓ Ingest +100 Alternative Data Points (Gig Economy, Telco).
• ✓ Tree-based XGBoost ensembles for superior non-linear inference.
• ✓ Parallel API computing under < 800ms for Real-Time NeoBank Onboarding.

{
  "application_id": "req_subp_99x",
  "status": "evaluated",
  "credit_score": {
    "engine_tier": "B_PLUS",
    "probability_of_default": 0.041,
    "recommended_limit_usd": 350.00,
    "alternative_vectors": [
      "CONSISTENT_UTILITY_PAYMENTS",
      "LOW_CHURN_TELCO_12M"
    ]
  },
  "execution_time_ms": 612
}