Krexum core product · in development

Underwriting for people with no file.

A decisioning engine for thin-file and no-file borrowers, scoring on alternative signals rather than a bureau record that was never created. This is Krexum's own product and it is actively in development — unlike the trading, payment and allocation infrastructure on this site, which is what we build and operate for partners today.

Status
In development
Built for
Thin-file
Decisioning
Explainable
Delivery
API or embedded
Applicant
Thin-file
Score
0
Band
B+
Outcome
Refer

Score

0OF 900

Contributing factors

Cash-flow stability82
Repayment history74
Device & behavioural61
Income consistency55
Obligation load38

Policy rules

Minimum score thresholdPass
Affordability ratioPass
Sanctions screeningPass
Obligation-to-income capFail
Illustrative interface — not a live system
Decision engine

A decision you can defend.

Every outcome carries the factors that produced it and the policy rules it passed or failed. A regulator asking why an application was declined gets an answer, not a shrug at a model.

  • Ranked contributing factors
  • Policy rules evaluated explicitly
  • Approve, refer and decline paths
  • Full decision record retained
Alternative data

Signals that exist when a bureau file does not.

Cash-flow behaviour, device and repayment history combined into a score for applicants a traditional bureau simply has nothing on.

  • Cash-flow and behavioural signals
  • Per-category contribution weights
  • Thin-file coverage indicator
  • Combined score with confidence
Privacy-preserving verification

Verify the claim. Not the person.

A counterparty can confirm that a claim holds without receiving the underlying personal data. The answer travels; the data does not.

  • Claim-level verification
  • Underlying values never disclosed
  • Yes/no result to the verifier
  • No data-sharing footprint
Edge cases

Every vendor demos the happy path. Ask about the bad day.

These are the failures that decide whether a platform survives its first year in production. We list them because we have had to build for them.

Common outcome

A decline by default, which is the entire reason the credit gap persists.

What we do

Alternative signals are the primary path rather than a fallback, with a coverage indicator so you know how much of the decision rests on thin evidence.

Specification

What a partner should ask about a credit engine.

Delivery
Available as an API for partners who have their own front end, or embedded in the platform we build with you.
Explainability
Every decision returns its contributing factors and the policy outcomes behind it. We do not ship a score with no reasoning attached.
Policy control
Rules and thresholds are yours to set and version. Changes are attributable and reversible.
Data handling
Applicant data is processed for the decision and retained according to the policy you set and the regime you operate under.
Model governance
Versioned models with recorded performance, so a change in outcomes can be traced to a change in the model rather than guessed at.
Availability
In development. This engine is Krexum’s own product rather than a delivered white-label module, and we will tell you exactly which components are ready before you plan around any of them.
What this is not
We are a technology provider. We do not lend, we do not hold client money, and we do not make credit decisions on our own account. The lending licence and the credit policy remain the partner’s.