Lend to the people your bureau can't see.
A 10-minute adaptive behavioural assessment returns a six-dimension risk profile for applicants with no credit file — a decision signal where the bureau returns nothing.
Watch the whole idea in two minutes.
What the assessment looks like from the applicant's side, and what lands on the underwriter's desk.
Have no credit history? Build a profile that speaks for you.
Register as an individual or a business, take the assessment once, and carry the result to any partner institution. You decide who sees it — sharing needs a consent code you generate.
The file is empty. The person is not.
When an applicant has never held a loan, a card, or a registered income stream, the bureau returns a blank. The underwriter is left with a choice between two bad options: decline a creditworthy person, or approve on intuition.
XulqskorAI produces a structured, comparable signal where none existed — not a replacement for your scorecard, an additional input to it.
From application link to underwriting signal.
Four stages. No integration required to start — a link works.
Signals in. Behavioural profile out. Matched to your product.
Every answer is distributed across six dimensions, weighted by response dynamics, then fitted against the risk appetite of the product being applied for.
Six dimensions, scored independently.
Each dimension is derived from psychometric constructs in the published behavioural-credit literature and mapped to items in the bank. Hover a dimension to isolate it.
Three items. Watch the profile move.
A miniature of the real assessment — the live version runs 30–45 adaptive items across the full bank.
Illustrative only. Scores shown here are produced by a simplified demo function, not the production model.
Start with a link. Integrate when you're ready.
A pilot needs no engineering time on your side: send applicants a link, read results in the console. When the signal proves itself, move it into your origination flow over the API.
What is built, and what is not — stated plainly.
We are pre-calibration. A risk team deserves to know exactly where the line is before signing anything.
Priced per assessment. Institutions only.
We do not sell scores to individuals. Volume moves the per-assessment price; indicative figures below.
Indicative pricing, finalised per agreement. Assessments are delivered through partner institutions, never sold direct to applicants.
Where we are, and where this goes.
Six stages, from a working platform to a national credit profile. Stage 1 is live work.
The questions risk teams ask first.
Something not covered here? Put it in the pilot request and we will answer it directly.
Ask us directly →Put it in front of 500 real applicants.
Tell us your portfolio and the segment you keep declining for lack of data. We will come back with a pilot scope, a timeline, and what we need from your side.