Transform unstructured mobile money alerts, airtime top-ups, and utility data into real-time credit-risk scores. Africa is the world's most dynamic mobile-money testbed, making it the ideal launchpad to build and refine alternative credit data rails before expanding across cash-dominant and rapidly digitizing emerging economies in Southeast Asia and Latin America.
Traditional credit bureaus were built around salaried jobs, bank accounts, and formal loan histories. Most emerging market populations don't fit that model, not because people aren't creditworthy, but because their financial lives happen somewhere bureaus don't look.
Our mission is simple: read the financial data people already generate, and turn it into a standardized, explainable credit score, allowing lenders to extend credit responsibly to the customers bureaus overlook.
Traditional credit bureaus miss 80% of African consumers. ScoreRails is building alternative credit data orchestration to bridge the vacuum.
We're designing an embedded Mobile SDK (Android) for smartphones plus a zero-ops USSD Consent Gateway to capture transaction footprints from feature-phone users.
We're building a feature engine on Gemini lightweight models to automatically parse dialectal text, unstructured SMS alerts, and utility bill receipts into structured financial features.
We're developing predictive ensemble ML models to deliver 300–850 credit scores, default probability %, and recommended risk-adjusted loan limits in <400ms.
Designed to align with CBN/NIBSS Open Banking standards and regional mobile money API protocols across West and East Africa (MTN MoMo, M-Pesa, Wave).
Africa is our Pan-African anchor and mobile-money testbed. Our underlying data model is designed to export directly to high-growth emerging markets across Southeast Asia and Latin America.
Engineered to generate transparent, auditable decision reasoning for every score, allowing financial institutions to meet strict NDPC & ODPC central bank requirements.
Most alternative-data scoring tools were built for mature economies and adapted later. ScoreRails is built for the dual reality of emerging markets—spanning cash-heavy informal commerce and mobile-first digital transactions—from day one.
| Dimension | Traditional Bureaus | Generic Alt-Data Scorers | ScoreRails |
|---|---|---|---|
| Population Coverage | Formally banked consumers only | Broad, but not tuned to cash-heavy or mobile-first economies | Built for unbanked & underbanked majorities |
| Core Data Sources | Bank accounts, formal loan records | Device metadata, social signals | Mobile money alerts, airtime top-ups, utility payments |
| Score Explainability | Opaque bureau score | Often a black-box model | Auditable reason codes with every score (XAI) |
| Regional Compliance | Not applicable to unscored population | Designed around other regulatory regimes | Designed around NDPA, CBN, and Kenya ODPC requirements |
| Integration | Manual bureau pulls, slow onboarding | Heavy SDKs, multi-region rework | One REST API, lightweight consent widget |
Adjust alternative consumer data signals below to see how the ScoreRails algorithm calculates creditworthiness in real time.
Est. Default Probability
Rec. Credit Limit
Clean REST APIs, lightweight mobile SDKs, and transparent XAI audit reasoning payload.
Building alternative credit infrastructure for emerging markets from the ground up.
Co-Founder & Software Architect
8+ years of professional software engineering experience across JavaScript and Clojure. Focused on clean, simple, effective solutions to engineering problems, with a particular interest in working with data — transforming and flowing it through production systems.
Co-Founder & Strategy / Growth
Experience across enterprise software development, data systems and databases, and government digital systems — including production information systems built for public-sector institutions — alongside applied data and AI work.
We are taking down contact info for interested financial institutions, digital lenders, and developer teams. Register below to be notified as we roll out updates.