See the risk your data can't

0.68 Gini 2W lending

0.44 Gini Consumer loans

Zero bias Validated across race, gender & age

An independent biometric risk layer that runs alongside your existing model. No credit history required. Validated on 1M+ real-world outcomes across emerging markets in Asia, Latin America, and Africa. A selfie captured today tells you something a credit file from three years ago never could.

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The Signal

Every borrower has an invisible signature

At the point of application, Vision Score captures real-time biometric signals unique and invisible to traditional models

The Proof

Identify risk that historical data misses

Vision Score flags hidden default risks in profiles that appear safe by every historical measure, reading the "present moment" signals that standard models were never built to see.

The Reach

Score the borrowers no one else can

For thin-file applicants, Vision Score analyzes onboarding cues: liveness, age, and environment to generate a standalone risk score with no extra steps or infrastructure.

The Outcome

A more accurate, wider portfolio

By pairing historical data with real-time biometric signals, you surface hidden risk and score the "invisible" borrower. Fewer defaults, more approvals.

Stage 1

Biometric Signal Capture

Captured within your workflow

Stage 2

Liveness Verification

Deepfake, mask & spoofing detection

Stage 3

Risk Parameter Extraction

Validated against real loan performance data

Stage 4

Score Calculation

Trained and calibrated on your institution's data

Stage 5

Decision Integration

Integrated score into your lending workflow

Who it’s Built for

Any institution making credit decisions at scale.

Digital Banks and Digital Lenders

Fast decisioning, high volume, thin-file borrowers. You are already comfortable with alternative data and your infrastructure is API-ready. Vision Score adds an independent signal to every application without adding friction and the pilot cycle is short enough to produce results within the campaign window.

Universal and Commercial Banks

Your scoring infrastructure is strong and your cycles are longer. Vision Score does not ask you to change what you have. It adds a data source your model has never had and the proof point from a digital lender pilot means the conversation starts from evidence, not pitch.

Community and Regional Banks

Your borrowers are often invisible to every traditional data source. That is not a gap in your model. That is a structural limitation of the data. Vision Score was built for exactly this population producing a credible independent risk signal where no other data exists.