Finvero

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Finvero is an AI-powered decision engine and credit infrastructure platform for banks, lenders, fintechs and retailers in Latin America. It helps financial institutions approve more of the right customers, stop fraud at onboarding and launch digital credit products faster, all through a single REST API. Decision engine. Risk teams configure credit and fraud policies, rules and models without depending on developers. Every decision is consistent and traceable: Finvero returns the outcome together with reason codes, the policy version applied and compliance checks (AML/PEP lists) in the same API call, so decisions are 100% explainable. Alternative credit score. Finvero evaluates applicants with and without a credit bureau history using alternative data and machine learning. On thin-file populations the model reaches 46% KS, 84% ROC and 82% accuracy, which lets lenders serve the underbanked without taking blind risk. Fraud score. Identity and application fraud are detected during onboarding and origination, combining more than 80 alternative data sources in about 2.8 seconds through one integration. Rules catch known patterns while machine learning models adapt to new ones and reduce false positives. Ability-to-pay score. Estimates monthly income and repayment capacity so lenders can set the right amount and term. Digital loan origination. An end-to-end flow covers application, identity verification, approval and disbursement for consumer, auto, BNPL, payroll and SME loans, across web, mobile and point of sale. Credit marketplace. Pre-evaluated applicants are routed to a network of lenders in cascade, so retailers can offer financing without putting up their own capital and lenders receive applicants that already fit their policies. Collections. A collections score trained on origination data helps prioritize and automate portfolio recovery. Finvero MCP. Risk, fraud and income scores, multilender offers and origination tracking are also available as tools for AI agents (Claude, ChatGPT, Microsoft Copilot, Cursor), with per-tool permissions, per-institution access and a log for every call. The agent never decides: Finvero evaluates and returns the decision with its reasons. Finvero is ISO/IEC 27001 and ISO/IEC 27701 certified and its scores are used by more than 80 financial institutions.