Bank-embeddable decision intelligence

Livelihood evidence, translated into bankable credit.

A dairy farmer's milk deliveries. A kiosk vendor's daily till. A trader's supplier invoices. IYI turns verified, ongoing economic activity into risk, capacity and an auditable decision—so a licensed lender can say yes.

Walk through the demo For banks & lenders

Verified evidencePolicy-ready outputsBank remains lender

New evidence verified

Profile confidenceHigh

100M

Market ambition

100 million newly visible people. One infrastructure layer.

IYI scales across value chains by connecting repeatable evidence models to the banks that already hold capital, licences and customer relationships.

The IYI decision package

A calibrated decision package—not just a score.

Banks receive an IYI Profile with verified evidence, capacity, risk, resilience, confidence and reason codes—structured for policy, review and audit.

CONVENTIONAL INPUTS

No signal to underwrite.

No payslipNo title deedNo bureau history

A viable livelihood stays outside policy.

IYI DECISION PACKAGE

Evidence the bank can act on.

Income continuity87

Repayment capacityKES 3.4k/mo

Evidence confidenceHigh

A new borrower becomes assessable.

How IYI works

From verified event to auditable decision.

IYI is a governed evidence-to-credit pipeline. Each stage carries confidence forward, so thin data returns ‘data needed’—not false precision.

Verify the evidence

Resolve source, identity, freshness and corroboration across consented livelihood records.

Estimate livelihood state

Model irregular and seasonal economic activity as a continuing income state—not last month’s number.

Assess risk & resilience

Estimate repayment capacity and risk, then stress the proposed facility against real livelihood shocks.

Construct the decision

Return a policy-ready amount, tenor, repayment fit and reason codes. The lender keeps final authority.

See the evidence model

Livelihood-specific data models

One decision layer across many livelihood economies.

DAIRY FARMER

Production-linked income, made underwritable.

Daily deliveries, quality tests, input purchases and processor settlements become a verified view of continuity and capacity.

DATA MODEL · DELIVERY + SETTLEMENT

INFORMAL TRADER

Cash turnover, structured into capacity.

Supplier invoices, till receipts and restock cycles become a decision-ready profile for short-cycle working capital.

DATA MODEL · TILL + RESTOCKING

MOBILITY WORKER

Platform activity, translated into repayment fit.

Trips, fuel spend, settlements and savings behaviour support an offer aligned to daily earning and repayment rhythms.

DATA MODEL · TRIPS + SETTLEMENTS

Where IYI sits

Infrastructure, not a lender.

IYI supplies the verified evidence, risk science and auditable decision package. Your institution retains the customer relationship, regulated credit contract, capital, pricing, policy and final approval.

Explore lender integration

For credit leaders and investors

See how IYI opens new credit markets without asking banks to lend blind.

Open the product demo Request due diligence