Cauce routes credit applications in real time using alternative-data scoring, Open Banking and a self-evolving AI engine — with explainable compliance on every decision.
Every application runs through an idempotent pipeline. Each stage records an explainable, auditable decision.
With the applicant's consent, Cauce gathers Open Banking and alternative data and normalizes it.
Hybrid scoring (traditional + alternative) with feature attribution to explain every result.
KYC/AML and the CASE benchmark (LLM-as-a-judge): measures hallucinations and recovery rate.
Matches and ranks offers by approval probability, cost and speed — and sends them via API.
We don't compete with lenders: we make them faster, more accurate and more inclusive.
Closed loop: execute → evaluate → modify → verify → retain. It improves on its own, without reprogramming — with sandbox and rollback.
Digital footprint, behavior, transactions, Open Banking and tax data to assess those the bureau can't see.
Every decision comes with a readable explanation traceable to the source data. Ready for XAI audits.
Integration with Belvo and Prometeo. Account and transaction data with consent, in real time.
Configurable rules per jurisdiction: Ecuador, Mexico, Brazil, Colombia, Chile, Peru, Argentina.
Versioned REST/JSON, signed webhooks and a synthetic-data sandbox to integrate in days, not months.
The CASE benchmark maps AI metrics to the region's regulatory frameworks. Encrypted data, consent and data-subject rights.
Request a demo or early access to the pilot. We reply within 48 hours.