The AltScore AI model enriches every credit application with regional economic signals, behavioral patterns, and AML intelligence — giving lenders the full picture to approve more qualified borrowers and reduce portfolio risk.
Credit organizations relying solely on bureau scores miss critical context about real creditworthiness. Limited history doesn't mean high risk — it means missing data. The AltScore AI model fills that gap with regional intelligence, making your decisions more accurate and your portfolio more profitable.
Our AI model fuses your applicant data with 50+ regional economic, behavioral, and risk signals — producing a richer, more accurate picture of creditworthiness. Every decision becomes smarter.
GDP trends, employment rates, cost-of-living indices, and economic growth signals at sub-national level across 20+ regions — context that makes AI scoring far more accurate.
Infrastructure quality, payment behavior patterns, and court registry activity that the AI model correlates with default probability — beyond what bureau data can reveal.
Our AI benchmarks every applicant against regional demographic cohorts — not a global average — eliminating geographic bias and improving decision accuracy.
AI-powered velocity checks, structuring detection, and a pluggable sanctions layer on every request, with an immutable audit trail for full compliance.
Your decisioning engine sends a masked applicant profile via a single REST call. No PII leaves your infrastructure.
The AltScore AI model fuses your data with 50+ regional signals, runs cohort calibration, and executes AML checks — all in under 2 seconds.
A score 300–850, risk tier, AI-generated recommendation, and the three top explainability factors are returned as structured JSON.
More qualified borrowers approved in previously declined segments
Default prediction accuracy versus bureau-only models
Non-performing loan ratio in pilot portfolios
End-to-end AI enrichment and scoring latency
AltScore AI sits alongside your existing credit infrastructure. No rip-and-replace. A single POST request adds full AI intelligence to any decision flow.
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AltScore AI Model
Decision Signal
No minimums. No lock-in. Scale as your portfolio grows.
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Volume discounts available for 500k+ monthly requests. Custom enterprise pricing on request.
No. Your decisioning engine sends anonymized, masked profiles only. We never receive names, document IDs, addresses, or account numbers.
The AI model relies on regional economic signals, behavioral patterns, and cohort data — not credit history. Thin-file applicants are evaluated the same way as any other.
28 sub-national regions across Ukraine, Kazakhstan, Georgia, Uzbekistan, and Armenia. Call GET /v1/regions for the full list with economic indicators.
A single REST call is all it takes. Most teams are live the same day. No SDK or new infrastructure required.
The built-in AML layer covers velocity checks, structuring detection, and a pluggable sanctions interface. An immutable audit trail is written on every request.
99.9% monthly uptime on the production API. Priority support and custom SLA available on enterprise plans.
Talk to our team about how AltScore AI fits your decisioning infrastructure.