Credits provides an integrated platform for credit risk assessment, fraud prevention, and collections, combining data from SPC Brazil, Serasa, and other sources with AI and machine learning models. The solution automates credit analysis, onboarding, and collection workflows, offering tools such as Behaviour Score, facial biometrics, and document verification to help businesses make faster, more accurate credit decisions and recover debts efficiently.
Funding
Funding not disclosed
Founders
Product
Problem
Businesses often struggle to assess credit risk, prevent fraud, and recover overdue payments efficiently because relevant data is fragmented across multiple sources and manual processes are slow and error‑prone. This leads to higher delinquency, longer sales cycles, and increased operational costs.
Solution
Credits provides an integrated SaaS platform that consolidates credit, risk, and collections capabilities into a single hub. The platform connects to Brazil’s major data providers (SPC, Serasa, SCR) and enriches records with AI‑driven behavior scoring, document verification, and device fingerprinting. Users can define custom credit policies and automate decision workflows, enabling real‑time approvals and consistent risk management. Built‑in antifraud tools validate identities through facial biometrics, OCR, and liveness checks, while the collections module leverages SPC‑based negative listings and intelligent contact regimens to improve recovery rates. All components are accessible via APIs and a low‑code workflow orchestrator, allowing businesses of any size to scale their credit operations without extensive technical resources.
Target Audience
Primary customers are mid‑size to large enterprises in Brazil that originate credit, such as retailers, fintechs, e‑commerce platforms, and B2B service providers, seeking to automate risk assessment, fraud prevention, and debt recovery.
Features
- Real‑time credit queries and full reports from SPC Brazil, Serasa and SCR for both individuals and companies
- Behaviour Score model using AI, machine learning and logistic regression to predict payment potential
- Customizable credit decision engine with policy rules, workflow automation and BI dashboards
- Identity verification suite with facial biometrics, document OCR, device fingerprinting, liveness detection and KYC background checks
- Automated collections workflow including SPC negative registration, recovery scoring, segmentation and multi‑channel campaign automation
- Integration layer (APIs, webhooks) for seamless embedding into existing sales, ERP or CRM systems
- Modular architecture allowing selection of individual solutions or end‑to‑end credit cycle coverage