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    Sovereign credit infrastructure

    Underwrite with absolute certainty.

    Deploy bank-grade alternative scoring, instant Fayda ID verification, and real-time fraud surveillance through a single, auditable API built for Ethiopian financial institutions.

    Talk to solutions
    View ensemble architecture
    Animated schematic: sovereign data signals flowing from identity and telecom channels into core banking systems01Fayda ID02Mobile Data03Bank Core

    Demonstration cycles sample applications through the live feed; use the sidebar to switch workspace focus.

    AIS Management Console

    Complete Control. Zero Bottlenecks.

    Empower your risk and credit teams with a unified operational console. Monitor live originations, configure dynamic approval thresholds, and audit AI decisions in real-time.

    Auto-Approval Rate84%
    Avg Decision Time180ms
    System StatusOptimal

    Live feed

    Screens and fields follow your gateway configuration and roles.

    NBE DIRECTIVE SBB/95/2025 COMPLIANT|REPAYMENT CAP: 1/3 INCOME|LATENCY: <200MS
    NBE DIRECTIVE SBB/95/2025 COMPLIANT|REPAYMENT CAP: 1/3 INCOME|LATENCY: <200MS

    Social proof & why metrics

    Illustrative uplifts from disciplined ensemble and policy deployments, your institution validates every headline against its own baselines.

    ~0%

    Reduction in default rates (illustrative)

    Directional signal only; not a guarantee for your loan book or economic cycle.

    ~0%

    Approval rate improvement (illustrative)

    Share of applications reaching an automated positive decision path, not total application volume.

    Baseline: prior manual referral workflow before contract-scoped gateway automation. Compare like-for-like cohorts with your risk team.

    0

    Integration friction

    Design goal: contract-scoped gateway wiring. Actual engineering effort depends on your core adapters and data contracts, we do not claim zero work for every institution.

    Institutional journey

    How Decision PRO works

    From gateway contract to explainable scores and evidence-backed decisions, always within your policy and deployment envelope.

    Address bar: https://pro.example.bank/queues

    Approval queue (illustrative)

    RefStatusBand
    APP-2026-8891Readystandard_review
    APP-2026-8892Reviewelevated_review
    APP-2026-8893Pending-

    Institutions wire the Pro gateway; scopes, roles, and correlation IDs are contract-defined.

    Illustrative UI only; queue fields, payloads, and audit behavior depend on your configuration.

    Core benefits

    Outcomes credit and risk teams care about, validated on your own book and contracts.

    Reduce portfolio risk

    ~70% lower default rates (illustrative)

    Stronger models and policy gates can compress losses when monitoring is disciplined. Directional only, not a promise for every cycle or product.

    Confirm baselines and cohorts with your risk team before citing externally.

    Originate more loans

    +15–50% higher approval rates (illustrative band)

    More applications can reach a straight-through positive path after your cutoffs, band depends on data, products, and prior referral rates.

    Compare like-for-like funnels after controlled rollouts.

    Automate verification

    Instant KYC/KYB via National ID (NID)

    When enabled, consent-gated National ID checks cut repetitive paper, always subject to your legal and supervisory sign-off.

    Production consent UX and retention are deployment-specific.

    Platform suite

    One gateway. Four jobs your institution runs every day.

    Score applications, watch for abuse, verify customers, and govern policies, through one contract-scoped gateway aligned to your institution's controls and supervisory obligations.

    Credit & underwriting

    Credit decision engine

    AIS ensemble & explainability

    High-confidence credit decisions with ensemble scoring and governed signals, configured to your risk appetite and fairness policies, not a generic internet score.

    Illustrative gateway message (non-production)

    {
  "request_id": "illustrative-req-001",
  "minimal_features": {
    "debt_to_income": 0.28,
    "psychometric_band": "medium",
    "digital_footprint_score": 642
  },
  "meta": {
    "illustrative": true
  }
}

    Signal eligibility and consent UX are decided by your legal and model-governance teams.

    Risk & fraud

    Risk & fraud monitoring

    Akafay Watchdog

    Continuous monitoring for suspicious patterns and policy breaches so teams can intervene early, AML and device signals follow your institution's program design.

    Illustrative gateway message (non-production)

    {
  "event_type": "aml_watchdog.alert",
  "severity": "review",
  "device_fingerprint_ref": "fp_stub_example",
  "meta": {
    "illustrative": true
  }
}

    Alert thresholds and telemetry require institution-specific policies and lawful basis.

    Compliance & onboarding

    Digital identity & verification

    NID / Fayda journeys

    National ID–led verification and liveness where you enable them, fewer duplicate accounts and clearer audit trails for onboarding teams.

    Illustrative gateway message (non-production)

    {
  "nid_channel": "Fayda",
  "liveness": "required",
  "placeholder_subject_ref": "NO_PII_IN_SNIPPET",
  "meta": {
    "illustrative": true
  }
}

    Consent language and retention are deployment-specific; validate with compliance owners.

    Operations & IT

    Policy & workflow control

    AIS Management Console

    Rules, queues, approvals, and audit trails your credit and ops teams run daily, change management stays under your internal controls.

    Illustrative gateway message (non-production)

    {
  "patch_id": "illustrative-092",
  "scope": "approval_workflow_v2",
  "changes": [
    { "path": "rules.max_dti", "value": 0.35 }
  ],
  "meta": {
    "illustrative": true
  }
}

    Segregation of duties and certified workflows are deployment-specific.

    Talk to solutions

    Share your institution context, gateway posture, product lines, and timeline. Our team routes enterprise inquiries through the right technical and compliance path.

    • Architecture and integration workshops aligned to your Pro gateway contracts.
    • Policy, model registry, and queue design reviews with AIS and Decision PRO engineers.
    • Supervisory and NBE-aligned documentation expectations, scoped to what your legal team approves.
    Request a conversation
    Opens your email client with a pre-filled message; we never store this marketing form in a database.

    By continuing you confirm this inquiry is business-related. Do not include credentials, card numbers, or national IDs in the email body.

    Reference

    For compliance, engineering, and product, short, factual answers.

    Ready to upgrade your financial rails?

    Get in touch with our team to explore integration options, request sandbox access, or see a live demo.

    Read the API docs

    © 2026 Decentral Technologies PLC · Addis Ababa, Ethiopia. All rights reserved.

    Privacy policy|Terms of service|NBE disclosures|Akafay (consumers)

    Turn the Unscorable into Bankable.

    See how Akafay fuses alternative data signals in real time to safely approve customers that legacy systems reject.

    Legacy scoring
    Akafay AIS

    Applicant A: no prior credit history. Thin file.

    Traditional bureau check

    Score

    N/A

    Status

    Rejected

    Missing revenue opportunity.

    Limits, consent, and supervisory treatment follow your deployment and policies.

    Talk to solutions

    Glass box · consensus architecture

    197 feature dimensions fan into six specialized learners, then merge through weighted consensus.

    No single black-box score: every path stays inspectable for risk, compliance, and audit.

    Ingest→Ensemble→Consensus

    INPUT_VECTOR [197_DIMENSIONS]XGBoostLightGBMTabNetNeural networksCatBoostLogistic RegressionAI_CONSENSUS_ENGINE

    Production scoring runs on your gateway, typically under 200ms.

    Consensus underwriting

    Six models reduce single-learner bias. Validated deployments often exceed 90% accuracy, your live metrics follow registry and governance.

    Explainable decisions

    Governed outcomes can carry SHAP-style attributions and correlation IDs, your team controls what is retained for NBE and internal policy.

    Built for gateway speed

    The ensemble path targets sub-200ms evaluation on supported Pro Gateway deployments; latency and feature cardinality follow your configuration.

    One Engine. Infinite Endpoints.

    Whether routing consumer checkout requests or processing enterprise batch data, every transaction flows through our real-time intelligence and surveillance layers before ever touching your core banking system.

    • Clearer credit paths for thin files when consented signals are in policy scope.
    • Audit-friendly traces from policy inputs to decision outputs, owned by your deployment.
    • Consumer journeys use Akafay Gateway; institution staff use Decision PRO and Pro Gateway, both converge on AIS, then Watchdog and your bank consume outcomes.

    Compliance

    Directive-aware controls, immutable audit fields where configured.

    Liquidity

    Disbursement and repayment primitives behind your gateway contracts.

    Security

    TLS-terminated sessions, RBAC at the app boundary, encrypted handoffs to core systems.