Transform unstructured mobile money transaction alerts, airtime top-ups, and utility data into real-time credit-risk scores with a single unified API. Register for private beta access.
Real-time JSON Credit Risk Payload
API Software Gross Margin
Alternative Data Vectors Parsed
Sub-Second API Latency
Unbanked African Population Reach
Traditional credit bureaus miss 80% of African consumers. ScoreRails bridges the vacuum with friction-free alternative data orchestration.
Embed our lightweight consent widget inside any mobile or web application to fetch user-permissioned transaction SMS logs, bank alerts, and mobile money statements.
Uses Gemini lightweight models to automatically parse dialectal text, unstructured SMS alerts, and utility bill receipts into structured financial features.
Delivers a standardized 300–850 credit score, default probability percentage, and recommended risk-adjusted loan limit via a simple REST API response.
Fully compliant with CBN Open Banking standards and regional mobile money API protocols across West and East Africa (MTN MoMo, M-Pesa, Wave).
Built with end-to-end AES-256 encryption. Fully compliant with Nigeria Data Protection Act (NDPA) and Kenya ODPC regulations.
Generates transparent, auditable decision reasoning for every score—allowing financial institutions to meet strict central bank compliance audits.
Adjust alternative consumer data signals below to see how the ScoreRails algorithm calculates creditworthiness in real time.
Est. Default Probability
Rec. Credit Limit
Clean REST APIs, lightweight mobile SDKs, and comprehensive documentation coming to early access launch partners.
We are currently onboarding selected financial institutions, digital lenders, and fintech developer teams into our private beta. Register below for early API access.