BUILT FOR RBI'S FREE-AI ERA

Underwriting that explains itself.

The agentic underwriting and model-governance layer for Indian lenders. Auditable AI agents, an interpretable risk engine, and a decision trail an RBI inspector can replay — without a byte of PII ever touching us.

Request early access$ see the platform
ZERO PII, BY ARCHITECTUREDATA STAYS IN INDIAHUMAN-IN-THE-LOOP, ALWAYS
TRUSTED BY RISK TEAMS AT
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PRODUCTS

The platform for
explainable underwriting

Dedicated inference
for lending decisions

Serve interpretable risk scores, agent-drafted credit files and RBI-grade governance on infra purpose-built for high-volume underwriting.

START SCORING →LEARN MORE →
MRM SUITERISK ENGINEAGENT DESK<180MS P95AUC ≥ 0.78100K/HR RESCORED
// HOW IT WORKS

Your data never leaves your perimeter. Only the numbers do.

Credon is not a bureau, not an aggregator, not a lender. You compute derived features from raw KYC, bureau and GST data inside your environment — we score the feature vector and hand back everything your credit desk and your regulator need.

YOUR PERIMETERKYC · BUREAU · GST · AAFEATURE EXTRACTION{ feature_vector }PAN · AADHAARPII SCRUBBERCREDON PLATFORMPD 4.1%5 INDICES + SHAPDECISIONMEMORY · 7YSCORE + EXPLANATION + COUNTERFACTUALS → YOUR OFFICER DECIDES
Raw KYC, bureau, GST and AA data stay inside your perimeter — your extraction layer distills them into an identity-free feature vector.
STEP 01 · YOUR ENVIRONMENT
Extract features, keep the PII
Raw KYC, bureau reports, GST returns, AA data and MCA filings stay with you. Your extraction layer produces an identity-free feature vector.
credit_scoreverified_incomeemi_bounces_12mPAN · Aadhaar · phone
STEP 02 · THE BOUNDARY
PII scrubber gateway
TLS 1.3 in transit. Every request is screened for PAN, Aadhaar, phone and email patterns — anything personal is rejected before processing, with zero false-negatives as the bar.
✓ pii_scrubber — clean · 0 flags
STEP 03 · CREDON PLATFORM
Score, explain, remember
Five interpretable indices, a calibrated PD, a 30–365 day stress forecast, plain-language explanations — and an append-only Decision Memory record for every single call.
indicespd_12mexplanationcounterfactuals
// THE AGENT DESK

Five agents do the mechanical 70%.
Your credit officer makes the call.

Every agent is scoped to one job, cites its sources, and writes to an immutable audit log. Corporate credit cycles compress from three weeks to three days — without a single autonomous decision.

Spreads in minutes, not days.

Three-year spreads, 40+ ratios and peer anomalies from audited PDFs, GST and MCA filings — ≥95% extraction accuracy, every figure traceable to its source page.

agent — financial_spreading
$ credon agent run spreading --entity acme_industries✓ ingested balance sheets FY24 · FY25 · FY26 (audited)✓ computed 42 ratios · DSCR 1.8 · ICR 3.2 · CR 1.4⚠ inventory_days 96 vs sector median 61 — flagged✓ spread ready for officer review · sources linked
FINANCIAL SPREADING
OFFICER DECIDESTHE FILEAGENTS
// WHY LENDERS SWITCH
70% of every underwriting file is mechanical. Credon's agents do all of it.
Spreading, memo drafts, screening, document chase — done before your officer's first coffee. Judgement stays human; the toil doesn't.
// THE RISK ENGINE

Five indices. Interpretable by construction.

ML ranks and estimates — it never decides. Every score passes through deterministic governance rules, carries SHAP attributions, and produces the same output for the same input, every time.

RCI
4.59
Repayment Capacity Index
Strong capacity
ESR
0.22
EMI Stress Ratio
Healthy
RBS
0.99
Repayment Behaviour Score
Clean borrower
ISI
0.05
Income Stability Index
Stable
CSI
0.88
Credit Structure Index
Secured-heavy
+ CALIBRATED PD ESTIMATOR · AUC ≥ 0.78+ 30/60/90/180/365-DAY HAZARD FORECAST+ DETERMINISTIC EWS RULE LAYER+ SHAP ON EVERY OUTPUT+ COUNTERFACTUAL OFFERS <250MS
3 wks → 3 days
CORPORATE UNDERWRITING CYCLE
<180ms
P95 SCORING LATENCY
100k/hr
PORTFOLIO BORROWERS RESCORED
7 years
OF REPLAYABLE DECISIONS
// SECURITY & COMPLIANCE

Be inspection-ready before the inspector asks.

Every capability maps to RBI's FREE-AI Sutras and Pillars — a report your CRO can hand straight to the board. The architecture keeps you outside the hard questions entirely.

ZERO-PII POSTURE
No PAN, no Aadhaar, no phone numbers, no emails — ever. The scrubber gateway rejects them at the door, keeping Credon outside the Aadhaar Act, CIC Act and AA perimeter.
DATA RESIDENCY
100% India. Mumbai primary, Hyderabad DR. AES-256 at rest with per-lender keys; TLS 1.3 with optional mTLS in transit. Zero cross-border transfer, under any circumstance.
DECISION MEMORY
Every score cryptographically chained in an append-only log. Replay any decision from the last 7 years with the exact model, feature vector and explanation.
FREE-AI MAPPED
All 7 Sutras and 6 Pillars mapped capability-by-capability, versioned with every release. Board-pack PDF in one click.
FAIRNESS, CONTINUOUSLY
Bias metrics computed on rolling windows across protected groups. Breaches open an incident, notify compliance and pause tier-1 deployments until resolved.
AUDITS & CERTIFICATIONS
SOC 2 Type II and ISO 27001 on the roadmap's clock, CERT-In empanelled VAPT annually, independent pen-tests shared with your CISO under NDA.
// INTEGRATIONS

Bring your own stack. We plug in.

First-party connectors for the subscriptions you already pay for — or route through our licensed partners if you don't have a data stack yet. Live in ≤12 weeks hosted, ≤20 weeks in your VPC.

PerfiosKarzaCIBILExperianCRIFSetuCashfreeDigiLocker
AI UNDERWRITING, DEPLOYED FOR PRIVACY.

Run it in your VPC, consume it as a service, or go fully air-gapped.

Self-hosted.
A signed container in your cloud or data centre — the deployment most banks choose. Lender-held keys; only drift and latency telemetry phones home, never evaluations. Live in ≤20 weeks, p95 <140ms inside your network.
REQUEST EARLY ACCESS →
Cloud.
Scale scoring workloads without owning the infrastructure. Per-lender isolation across schema, registry and Decision Memory; Mumbai primary, Hyderabad DR — data never leaves India. Fast cold starts, 99.95% uptime and 10,000 RPM out of the box. Live in ≤12 weeks.
TALK TO US →
Air-gapped.
For the most security-sensitive institutions. No network egress at all — model updates arrive as signed, verifiable bundles, and the full MRM suite runs offline. CISO review pack included.
TALK TO US →
ANNUAL PLATFORM LICENCE · SIZED TO YOUR AUM BAND AND MODULES · EVERY TIER INCLUDES THE FULL MRM SUITE + DECISION MEMORY
// FAQ

The questions your compliance team will ask.

Built by ex-NPCI and ex-ICICI operators who know exactly what RBI inspectors look for — because they've sat on both sides of the table.

No. Credon is neither a CIC, an AA, a lender-of-record, nor a data broker. It is an intelligence layer that runs on top of your existing data stack — scoring, governance, explanation and agentic workflows. You keep your licenses; we keep the math.

Your risk,
our reasoning.

Request early access and see how Credon compresses your credit cycle while keeping every decision defensible.

Request early access
PD 4.1% · LOW