Explainable credit decision support

Intelligent lending decisions. Powered by data.

Evaluate loan applications, understand financial risk, and make faster, more informed lending decisions. Every grade comes with itemised reasons, every override with a recorded reason, and every change with an audit trail.

Create your organization See plans

Free plan, no card Your own credit policy Separate data per organization

Try the scoring engine

Live · nothing is saved

Platform

What you can use today, and what is coming

We label every capability honestly. "Available" means it is built, tested and in the product now. "Roadmap" means it is planned and not yet shipped.

Explainable A to E grading

A structured, rule-based engine. Each reason has a code, a message and a point impact you can trace to the applicant's inputs.

Available

Your credit policy

Set maximum FOIR, minimum credit score, income, employment and consent rules per organization. The policy used is stored with every score.

Available

Human review and overrides

Officers override a grade with a mandatory reason. Upgrading an application with violations requires an admin. The system grade is never changed.

Available

Append-only audit trail

Creation, scoring and overrides are recorded with actor and details, per application and across the organization.

Available

Portfolio analytics

Volume trend, grade mix, exposure by grade and override rate, computed from your stored applications.

Available

Teams, invitations and API keys

Invite staff by link, assign roles, deactivate members, and connect your systems with revocable API keys.

Available

Document intelligence

Secure upload, OCR-assisted extraction and a verification workflow. Extracted values would stay unverified until a reviewer confirms them.

Roadmap

Workflow automation

Assignment, reminders and escalations through background jobs with retries and execution history.

Roadmap

AI reviewer assistant

Summaries and inconsistency flags that are clearly marked as AI-generated and never make the credit decision.

Roadmap

How a decision is made

From application to a defensible decision

Enter the application

Officers enter it in the app, or your core system posts it through the API.

Score against your policy

The engine computes EMI and FOIR, applies your thresholds and returns a grade with reasons.

Review and override

A human can change the grade, but must record why. Risky upgrades need an admin.

Keep the evidence

The audit trail shows who did what, when, and which policy applied.

Security and data handling

Built so one lender never sees another's data

Every record belongs to one organization and every query is scoped to it. Cross-tenant access is covered by automated tests.
Passwords hashed with PBKDF2-SHA256. API keys and invitation tokens are stored only as hashes.
Role checks run on the server, not just in the interface.
Audit events are append-only. Production start-up refuses weak signing secrets.

No security certification is claimed. Lenders remain responsible for legal and compliance review, including RBI digital lending requirements and India's personal data protection rules, before using real applicant data.

Roles

Owner	Plan, policy, team, API keys
Admin	Policy, team, API keys, risky upgrades, audit log
Officer	Create applications, review, override within limits

A finer-grained role model is on the roadmap.

Integrations

Post applications from your own systems

Create revocable API keys and score applications straight from your loan origination or core banking system. Keys can create and read applications, but cannot override grades or manage the organization.

Email, SMS, OCR, bureau and banking-data connectors are on the roadmap. None are connected today.

curl -X POST https://your-host/applications \
  -H "X-API-Key: las_••••••••" \
  -H "Content-Type: application/json" \
  -d '{
    "applicant_name": "A. Customer",
    "monthly_income": 60000,
    "existing_emis": 5000,
    "loan_amount": 500000,
    "annual_rate_pct": 12,
    "tenure_months": 48,
    "credit_score": 720,
    "employment_years": 4,
    "consent_recorded": true
  }'

Who it is for

Lenders who need consistent, explainable decisions

Cooperative banks

Apply one credit policy across branches and keep a reviewable record of every exception.

Microfinance institutions

Standardise eligibility checks on small-ticket loans and see where officers override the system.

NBFCs and fintech lenders

Score through the API, then use the audit trail and analytics to monitor decision quality.

Pricing

Start free, upgrade when your team grows

Plan limits shown here are read live from the product. Payment collection is not yet connected, so plan changes are made in the app.

FAQ

Questions lenders ask

Does AI decide whether a loan is approved?

No. Grades come from a transparent rule engine you configure. Any future AI assistance will be labelled as such, and humans keep the final decision.

Are the scoring thresholds ready to use?

No. The defaults are placeholders. Your credit team must set thresholds from your own policy and validate them against your data before relying on grades.

Is my data separated from other lenders?

Yes. Every record is tied to your organization and all queries are scoped to it. This is enforced in application code and tested; database-level isolation is on the roadmap.

Is it compliant with RBI and data protection rules?

Compliance depends on how you use it. The product records consent and keeps audit trails, but we make no compliance or certification claim. Obtain your own legal review.

Can I integrate with my core banking system?

Yes, through the REST API with API keys on Starter and Pro plans. Prebuilt connectors are not available yet.

How is billing handled?

Plans and limits are enforced, but online payment is not connected yet. Do not treat the listed prices as a binding offer.

Give your credit team a consistent, explainable process

Create an organization in under a minute. Start on the Free plan.

Create your organization