GenZ Credit ScoringWhat if credit could start without credit history?
Consent-first scoring for students and creators. Starting with 100M+ in India.
Co-branded GenZ Credit Card with VISA Q1 2026
The Problem
Gen Z (18–24) crave authentic, personalized experiences but are drowning in generic apps, disconnected platforms, and deals that lack transparency or sustainability impact. Brands chase loyalty yet miss hyperlocal connections, and banks overlook social proof, leaving 80% of credit-excluded students underserved.
Global GenZ Financial Inclusion
Starting with 100M+ eligible GenZ in India
5 Years
Scale to Southeast Asia, Africa, Latin America
Expansion roadmap progress
Credit-invisible GenZ globally (ages 18-24)
Total addressable market identified
Indian students under-21 without CIBIL/PAN
India estimate scaled against global GenZ
000
Users joined the GenZ waitlist
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Credit Scoring, Reimagined
Purpose-built for GenZ, our consent-first scoring blends education credibility, creator trust, and professional signals. Clear tiers, explainable features, and consistent guardrails - crafted like a product page.
Only what users approve
Transparent opt‑in across social and education signals.
Social + Education blended
Balanced view across platforms and institution credibility.
Clear drivers & strengths
Readable insights for lenders and students.
Consent and fairness checks
Built to respect privacy and minimize bias.
Simple status bands
Tier labels align to lender-friendly interpretation.
Few steps to demo
Connect, evaluate, and view results - all in minutes.
Institution credibility made simple
NIRF rank and institution strength appear as one clear signal - no jargon.
Developer signals (GitHub)
We reflect GitHub activity as practical indicators.
Combining University Data with Consumer Behavior
Unprecedented data depth for GenZ credit scoring through strategic partnerships
University Management Data
Deal Transaction Data
Ethical AI Guardrails
Responsible AI with transparency, consent, and bias auditing at the core
Bias Auditing
Demographic disparity threshold
Balance urban/rural, gender, tier-1/tier-3 representation using SHAP analysis
Consent Flows
Transparent disclosure
Explicit opt-in for data usage & synthetic data generation with full transparency
View Privacy Policy →Alternative Data
Non-traditional signals
Social media, app usage, education, employment patterns without PII storage
Self-Reflection
Continuous monitoring
Real-time bias detection with automatic model retraining triggers
AI Credit Scoring Dashboard
Interactive visualizations showcasing agentic AI credit scoring for GenZ financial inclusion
Psychometric Profile
Your behavioral traits analyzed by AI agents
Credit Score Breakdown
How your score is calculated
Your score combines multiple signals to provide a comprehensive credit assessment.
Risk Distribution
Portfolio risk breakdown
675
Your Credit Score
Familial Network
Credit-connected relationships
Model Performance
AI agent improvement over time