Credit infrastructure for fintech teams

Credit decisions,
instantly.

Launch explainable loan scoring, instant approvals, and billing-ready metering — without building a decision engine from scratch.

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No credit card Up in minutes

200–850 score range
<100 ms decision latency
Usage-based pricing model
Stripe-ready meter events
Product

Everything a credit SaaS needs to ship.

Authenticated tenants, scoring, decision payloads, usage tracking, and billing hooks — the full first mile of a decisioning product.

Score & decision endpoints

Submit applicant data and receive a normalized score, approval status, and risk category in a single request.

Explainable outputs

Every decision includes an approval reason or decline factor, plus recommended next steps for each outcome.

Tenant usage tracking

Track API calls per tenant so each customer can monitor their own consumption in real time, in a self-service dashboard.

Billing-ready metering

Record Stripe meter events automatically for usage-based subscriptions whenever billing is enabled for a tenant.

How it works

From application to decision in one request.

Keep your team focused on product while the API handles repeatable credit scoring logic. Three steps, zero infrastructure to maintain.

Get API access
1

Sign up and get your API key

Register for an account and your API key is generated automatically. Find it in the dashboard whenever you need it.

2

Submit an applicant

POST income, debt, requested amount, and optional profile fields. Schema validated on every call.

3

Return the decision

Use the score, explanation, and next steps directly in your approval flow. Zero post-processing needed.

Developer preview

One request. A complete decision payload.

Pass your API key in x-api-key, send applicant attributes, and receive a structured decision — score, risk level, approval status, reason, and recommended next steps.

  • JSON Schema validated input
  • Structured decision payload
  • Approval reason, decline factor, and next steps
  • Automatic Stripe metering on every call
POST /api/v1/decision 
# Try instantly — no sign-up needed
$ curl -X POST http://localhost:4000/api/v1/decision \
  -H "Content-Type: application/json" \
  -H "x-api-key: demo-key-123" \
  -d '{
    "age": 30,
    "income": 65000,
    "requestedAmount": 12000,
    "existingDebt": 4500,
    "yearsAtJob": 5,
    "openCreditLines": 1
  }'

# 200 OK
{
  "success": true,
  "payload": {
    "applicant": {
      "age": 30, "income": 65000, "existingDebt": 4500,
      "requestedAmount": 12000, "yearsAtJob": 5, "openCreditLines": 1
    },
    "decision": {
      "score": 760,
      "riskLevel": "low",
      "approved": true,
      "approvalReason": "Low debt-to-income ratio (6.9%) with income that comfortably supports the requested amount.",
      "declineReason": null,
      "nextSteps": ["Offer competitive APR", "Enable instant funding"],
      "factors": {
        "incomeScore": 40, "debtScore": 27.9, "amountPressure": 3.7,
        "ageScore": 6, "tenureScore": 7.5, "openLineScore": 8.5,
        "debtRatio": 0.069,
        "estimatedFields": []
      }
    },
    "pricing": {
      "perCall": 0.05,
      "currency": "USD",
      "description": "Usage-based credit decision call"
    }
  }
}

# Same response with your own API key
$ curl -X POST http://localhost:4000/api/v1/decision \
  -H "Content-Type: application/json" \
  -H "x-api-key: YOUR_API_KEY" \
  -d '{
    "age": 30,
    "income": 65000,
    "requestedAmount": 12000,
    "existingDebt": 4500,
    "yearsAtJob": 5,
    "openCreditLines": 1
  }'

# 200 OK
{
  "success": true,
  "payload": {
    "applicant": {
      "age": 30, "income": 65000, "existingDebt": 4500,
      "requestedAmount": 12000, "yearsAtJob": 5, "openCreditLines": 1
    },
    "decision": {
      "score": 760,
      "riskLevel": "low",
      "approved": true,
      "approvalReason": "Low debt-to-income ratio (6.9%) with income that comfortably supports the requested amount.",
      "declineReason": null,
      "nextSteps": ["Offer competitive APR", "Enable instant funding"],
      "factors": {
        "incomeScore": 40, "debtScore": 27.9, "amountPressure": 3.7,
        "ageScore": 6, "tenureScore": 7.5, "openLineScore": 8.5,
        "debtRatio": 0.069,
        "estimatedFields": []
      }
    },
    "pricing": {
      "perCall": 0.05,
      "currency": "USD",
      "description": "Usage-based credit decision call"
    }
  }
}
Pricing

Usage-based pricing that scales with you.

Simple usage-based pricing — pay only for what you use, with no upfront commitment.

Production

$0.05 per decision

Meter every decision call and connect usage directly to Stripe billing. Pay only for what you use.

  • Full API access
  • API key management
  • Stripe meter integration
  • Usage-based invoicing
  • Usage dashboard
Get started

Ready for a fintech MVP

Ship credit decisions faster.

One API, one pricing model. Integrate, ship, and bill — all from the same stack.

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