Expatriates and individuals living in multiple countries face challenges in accessing credit products due to the lack of a unified, verifiable financial identity across borders. Traditional credit scoring systems often fail to accurately assess the creditworthiness of individuals with international financial histories, limiting their access to loans and other financial services. Interest rates can vary significantly across EU countries, further disadvantaging those who are restricted to borrowing only from their home country.

Mifundo creates verified and passportable financial identities using data technology, enabling users to consolidate their credit profiles and access loan offers from banks across Europe. The platform allows users to gather their financial data to create a comprehensive financial profile and determine their credit score. Users can submit a single request and receive multiple loan offers from various European banks, selecting the best option while Mifundo handles the subsequent steps. The platform also provides guidance on improving credit scores if needed.

Aggregates financial data from various sources to create a unified credit profile.

Calculates a credit score based on the user's consolidated financial data.

Enables users to submit a single loan request to multiple banks across Europe.

Provides access to a range of loan offers from different European banks.

Offers guidance and tools to improve credit scores.

Secure platform with TLS security and 256-bit encryption.

The primary target audience includes expatriates, individuals living in multiple countries, and those planning to acquire real estate abroad who require access to credit products across European borders.