Credit infrastructure for financial institutions

Decide with evidence.
Lend with control.

Verified credit intelligence, governed institution policy, lending operations and system-of-record integration in one auditable workspace.

Tenant isolatedConsent governedCBS authoritative
APPLICATION CC-2841AUTHORIZED REVIEW
SA
Samira AhmedWorking capital · ETB 185,000
Credit intelligence712 · GoodDurujScore evidence
→
Institution policyEligibleWC-4.2 conditions
→
Final authorityHuman reviewDemo Bank workflow
Financial stateNot booked · awaiting authorized decision

Built for regulated credit operations

BanksMicrofinanceCooperativesDigital lendersEmbedded finance

One governed platform

From customer evidence to reconciled lending operations.

Adopt intelligence APIs, the operating workspace, or the complete digital-lending path.

01

Credit intelligence

Verified credit evidence, customer-safe reasons and confidence without surrendering institution decision authority.

02

Income & affordability

Consented cash-flow evidence for responsible affordability assessment and governed policy.

03

Identity & consent

Link relationships to verified identity and purpose-bound consent without another customer master.

04

Digital lending

Applications, reviews, offers, loan projections, repayments, collections and reconciliation.

05

Portfolio monitoring

Track exposure, concentration, arrears and movement against CBS-confirmed states.

06

Integration fabric

Route customer, loan, payment, IAM, document and compliance capabilities to the right system.

Clear responsibility

Intelligence informs.
Your institution decides.

DurujScore never becomes the lender. CreditCheck never becomes the ledger. Every outcome preserves the responsible system and authorized actor.

  1. 01
    DurujScore

    Credit intelligence, reasons and evidence confidence.

  2. 02
    Institution policy

    Approved products, eligibility and affordability controls.

  3. 03
    Authorized workflow

    Final decision, review and maker-checker evidence.

  4. 04
    Institution CBS / LMS

    Booking, official balances, posting and settlement.

Designed around your model

Start where your institution needs leverage.

Banks

Unify review, approval controls, integrations and portfolio evidence.

Microfinance institutions

Replace manual assessment and spreadsheet workflows.

SACCOs & cooperatives

Digitize member credit while preserving cooperative authority.

Digital & embedded lenders

Combine APIs, workflows and integrations without rebuilding the stack.

For engineering and operations

Integrate by capability, not vendor assumptions.

Canonical contracts keep workflows independent from CBS, LMS, payment, IAM, document and compliance vendors.

customer      institution-cbs
assessment    durujscore
loanBooking   institution-lms
payments      institution-rail
authority     verified-claims

For consumers

Reasons and rights remain visible.

Institution mobile experiences include plain-language reasons, improvement guidance, data-source transparency and dispute access.

Plain-language explanationsConsent visibilityDispute trackingCustomer-safe support

Build responsible credit operations

Bring policy, systems and customer journeys together.

Explore the complete illustrative workspace or begin an institution discovery.

Contact enterprise team