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Full income analysis
Identifies every income stream — P2P transfers, salary credits, business receipts, international remittances — and calculates reliable monthly averages.
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Loan & credit mapping
Detects all active credit facilities — Fuliza, M-Shwari, SACCO loans, bank overdrafts, device financing — and assesses repayment consistency.
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REST API integration
Each organisation gets an API key. Submit statements programmatically from your own loan management system and receive structured JSON back instantly.
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Multi-user organisations
Create analyst accounts under your organisation. Every analysis is tracked, attributed to the analyst, and stored permanently in your history.
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Structured API response
Every analysis returns a clean, consistent JSON object your system can consume directly — credit score, loan stats, income figures, and a recommendation. No parsing required.
"credit_score": 742,
"risk_level": "moderate",
"loans": {
"count": 4,
"highest_amount": 15000,
"repayment_pattern": "Same-day"
},
"recommendation": {
"max_loan_to_offer": 25000,
"suggested_term_months": 12
}