Lending platform
Credit decided, priced and disbursed in one system — and the difference is measurable.
90%
Faster than traditional underwriting
25%
Larger portfolio
70%
Lower cost to run
Business impact · 01
From application to funds released, with no human in the path.
I · Speed
90%
AGAINST TRADITIONAL UNDERWRITING AND DISBURSEMENT PROCESSES
The traditional path is drawn as a long line that winds and loops back on itself four times before funds are released. The platform path is drawn beneath it at the same scale: straight, and ending after the first tenth of it.
Traditional · four loops before funds are released. This platform · application, scored in-line, offer accepted, NIP transfer.
A bigger book from the customers you already bank.
II · Reach
25%
LARGER PORTFOLIO
- Campaigns
- pre-approved offers over email, SMS, USSD and WhatsApp
- Self-service
- BVN, date of birth and phone verification, two-stage OTP — no branch visit
- Auto-approve
- tier-based approval widens the addressable band
- SME scorecard
- a separate 15-rule scorecard and DSCR affordability, alongside retail
Credit policy is a database row, not a release cycle.
III · Cost
70%
COST SAVINGS
memo → ticket → code change → QA → release train → deploy
Not in the path
Score budget · Longevity · Income · Balance health · Behaviour · Loan history · Risk flags
Redrawn from the platform’s Policies screen. Values shown are illustrative.
Top features
Five pieces of machinery, drawn rather than described.
Income · obligations · headroom
Affordability
Income, obligations, and where affordability bites.
DSR · DSCR · per-tenure offers
Maker signed · checker empty
Maker-checker
Two different people, or the decision does not move.
CBN dual authorisation · same user rejected
Current · 1–30 · 31–60 · 61–90 · 90+
Restructure · write-off · GSI
Collections and recovery
Arrears age themselves and leave by three doors.
Daily sweep
Gini · KS · AUC · PSI
McNemar’s test
Model monitoring
A challenger scores the same book, silently.
Shadow scoring · champion/challenger
One unbroken record
Every stage of every loan, one record.
Immutable, PII-scrubbed audit trail
250+ API endpoints · 31 routers · 17 tables · 9 RBAC roles · 4,500+ automated tests · PostgreSQL 16 with read replica · Redis 7 · Keycloak 26 · Azure, GCP and AWS via Terraform · 50K concurrent, load tested
The screen a credit officer works in, redrawn as it is.
Redrawn from the platform’s customer screen. Identity masked; every value slot drawn empty.
Score factors · Decision · Compliance — BVN, NIN, AML, PEP, no default, consent.
Decide — per-rule score explanation, tiers A–E, DSR and DSCR affordability, maker-checker on every credit decision.
250+ API endpoints · 31 routers · 38,000+ lines across 130+ modules · 47 React components · 4,500+ automated tests (161 unit / 62 integration / 19 adversarial / 27 security) · 17 ORM tables · 9 RBAC roles · PostgreSQL 16 + read replica · Redis 7 · Keycloak 26 · Azure primary, GCP and AWS via Terraform · 50K concurrent, load tested (p95 <1s, error <0.1%) · NIBSS · CRC Bureau · FirstCentral · CAC · GSI · Paystack · Remita, TLS certificate pinning on every one
Cybersecurity
Fourteen layers, and no single human who can read a customer.
CBN · FCCPC DEON · NDPA 2023 · BOFIA 2020
Run it against your own book and see which figure moves first.
Tell us the portfolio, the core banking system and the constraint. We will run the scoring engine against your own data.