Cashflow
M-Pesa, bank, and Sacco statements help establish account activity and income patterns.
Scoring model
Explainable credit estimates with built-in AI assistance.
The platform combines deterministic scoring rules with AI-assisted document extraction, classification, summaries, advisory explanations, and guided borrower support.
Evidence classes
How the baseline evaluates borrower strength
Employment
Current payslips support salary stability, deductions, and income continuity.
Assets
Household goods, electronics, appliances, logbooks, title deeds, bonds, and listed shares add conservative asset-backed evidence.
Agriculture
Mapped arable land and editable livestock inventory cash-flow worksheets add local production evidence.
Investments
CBK bonds and NSE holdings can support higher confidence where values are verified.
Liabilities
CRB data helps surface existing obligations, adverse signals, and affordability controls.
AI assistance
AI helps interpret extracted evidence, prepare summaries, and support human-readable scoring explanations.
Score lifecycle
Every generated score has a six-month operating window.
Only the active score is used for matching and lender-facing reports. Expired or superseded scores remain archived for audit, analytics, and comparison.
Active scoreCurrent usable estimate for matching and enquiries.
Archived scoresHistorical results retained after refresh or expiry.
Reason codesHuman-readable explanations linked to uploaded evidence.
AI agent supportA floating assistant guides users through uploads, scoring, report access, and support routing.