We build a borderless, explainable score from alternative data you already generate — rent, utilities, phone history, and cash-flow stability — with clear reasons and tips you can act on anywhere.
Traditional credit systems miss real-life behavior and don’t travel well. Millions are “thin-file” or invisible—especially when moving, renting, or building new lives.
A standardized score from verified alternative signals: rent, utilities, phone payments, account tenure, and cash-flow patterns. Transparent weights and reason codes.
Privacy-first design, encryption, and deterministic rules. The same data always yields the same result—and you can see why.