A consent-based module that reads the applicant's transactional SMS and extracts income, obligations, lending activity, spending, and liquidity — in real time, from the messages already on the device. No documents, no bureau wait.
300M+ Indians have no bureau score. They do have a phone. And on that phone, transactional SMS carries the financial behaviour signal that makes them underwritable: salary credits, EMI payments, UPI activity, and lending history, all without a single document.
One consented inbox in. Five layers of financial behaviour out.
The most immediate question in any credit decision: does this person earn, how much, and how consistently.
What the applicant owes and how they pay it back. Bureau reflects this with a 2-3 month lag. SMS reflects it as of the last payment cycle.
New loans and credit lines are visible in SMS within days of disbursement. Bureau will not reflect them for months.
How the applicant spends carries signals that complement how they earn and what they owe.
The applicant's financial cushion, or lack of it.
A structured financial behaviour profile per applicant. Real-time, consent-bound.
Three deployments, each reading the same inbox for a different decision.
NTC and thin-file scoring, income verification, debt-to-income assessment.
Loan stacking as wilful default signal, no-income-high-inflow as mule indicator, multi-lender velocity as organised fraud pattern.
Early warning on existing borrowers before delinquency appears in DPD buckets.
Consent-based. The applicant grants SMS access during onboarding, and the profile returns in real time. Only transactional SMS is read — personal messages are never parsed or stored.
Consent-based. Applicant grants SMS access during onboarding.
Transactional SMS inbox.
Real-time.
2–3 weeks.
Consent-driven. DPDP Act and GDPR compliant. Only transactional SMS read.
300M+ Indians have no bureau score. They do have a phone. And on that phone, transactional SMS carries the financial behaviour signal that makes them underwritable: salary credits, EMI payments, UPI activity, and lending history, all without a single document.
One consented inbox in. Five layers of financial behaviour out.
The most immediate question in any credit decision: does this person earn, how much, and how consistently.
What the applicant owes and how they pay it back. Bureau reflects this with a 2-3 month lag. SMS reflects it as of the last payment cycle.
New loans and credit lines are visible in SMS within days of disbursement. Bureau will not reflect them for months.
How the applicant spends carries signals that complement how they earn and what they owe.
The applicant's financial cushion, or lack of it.
A structured financial behaviour profile per applicant. Real-time, consent-bound.
Module-specific attributes as structured data, consumable directly into credit models, underwriting logic, or monitoring rules.
Composite scores ready to use standalone or as enrichment alongside bureau and internal models.
Three deployments, each reading the same inbox for a different decision.
NTC and thin-file scoring, income verification, debt-to-income assessment.
Loan stacking as wilful default signal, no-income-high-inflow as mule indicator, multi-lender velocity as organised fraud pattern.
Early warning on existing borrowers before delinquency appears in DPD buckets.
Consent-based. The applicant grants SMS access during onboarding, and the profile returns in real time. Only transactional SMS is read — personal messages are never parsed or stored.
Consent-based. Applicant grants SMS access during onboarding.
Transactional SMS inbox.
Real-time.
2–3 weeks.
Consent-driven. DPDP Act and GDPR compliant. Only transactional SMS read.
We'll score it, surface the fraud patterns your current stack missed, and walk you through what we found. Your data, our scoring. No commitment, no integration, no decision required until you've seen the result.