Credit risk and fraud prevention for lending and buy now, pay later.

Most applicants have no legacy credit score, and a checkout has no room for documents. Decide at checkout or at the counter from a phone number and an email: Risk Score gives a credit score and a fraud score in one call, from 0 to 999, higher meaning riskier, with their reasons.

Synthetic and borrowed identities apply like good customers, then never pay, and the loss lands as credit loss. At application, Monnai checks whether the phone, email and name belong to one person, how many names share the number, and whether the phone or email first appeared days ago.

Signals from the life they already lead online. A phone number or an email held for years by one person points to a real, reachable customer, and a broad, long-used digital footprint with shopping and subscription apps suggests someone used to paying monthly.

No. Monnai adds to the scorecard and the legacy credit score you already use. Its Risk Score and 500+ fields feed your own decision engine, so you keep your models and policies and see the applicants your current data misses.

Yes. Send past applications, and share repayment outcomes if you want the uplift measured on your own models, or keep them and grade our scores yourself. We score every applicant offline, with no integration on your side, and your full report comes back within 5 business days.