BlockScore™ Model Builder
Tools and APIs for providers to build their own credit risk models on alternative data, behavioral signals, and real-time financial patterns.
Provider-Built Credit Models
Providers build and own their credit risk models. FreshCredit® provides the infrastructure, APIs, and alternative data pipelines — providers control the scoring logic and decisioning criteria.
Alternative Data Pipelines
Go beyond traditional bureau data. Incorporate behavioral signals, real-time financial patterns, transaction history, and verified credentials into credit models for a 25% predictive lift over traditional bureaus.
Cross-Lingual AI Agents
Financial AI agents supporting 2,400+ languages for global credit decisioning. Agents process and analyze financial data across languages and jurisdictions without translation loss.
Algorithmic Transparency
Open methodologies and auditable model outputs. Research standards from The FreshCredit® Org ensure scoring models are transparent, fair, and compliant with regulatory requirements.
predictive lift over traditional bureau scoring models*
FreshCredit® model benchmarkslanguages supported by cross-lingual financial AI agents
FreshCredit® Lab specificationscheaper than legacy bureau systems for providers†
FreshCredit® cost analysisfaster credit decisioning via edge-first architecture‡
FreshCredit® Lab benchmarks* Based on FreshCredit® model benchmarks comparing alternative data models to traditional bureau scoring. See /methodology for details.
† Based on FreshCredit® cost analysis comparing transaction-based pricing to legacy bureau per-pull pricing. See /methodology for details.
‡ Based on FreshCredit® Lab benchmarks comparing edge-first architecture to traditional cloud-based decisioning. See /methodology for details.