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For banks, MFIs & SACCOs

Reach new borrowers without lending blind.

IYI makes informal and irregular livelihoods legible inside the controls you already own. Integrate at profile, decision or full-journey level.

Start a partnership ↗See a decision journey
IYI PROFILE / REVIEWREADY
GM
Grace M.Dairy farmer · 4 verified sources
RECOMMENDATIONAPPROVEConfidence 0.86 · PD 180d 4.1%
DELIVERY_CONTINUITYPROCESSOR_SETTLEMENT_VERIFIED
Safe amountKES 20,000
RepaymentMilk deduction

Integration modes

Start at the layer that fits your institution.

01PROFILE API

Add visibility to your existing decision engine

You send
A person, consent receipt and product context.
You receive
Verified evidence, profile signals, confidence and reasons.
02DECISION API

Embed policy-ready recommendations

You send
An IYI Profile plus your versioned policy and product rules.
You receive
Approve, refer, decline or data-needed with amount, tenor and reasons.
03FULL JOURNEY

Launch a livelihood product end to end

You send
Customer, partner and product endpoints.
You receive
Onboarding, profile, case review, offer and monitoring journeys.

What arrives on the wire

A useful profile, not a black-box number.

Every response keeps decision, capacity, confidence and reason codes together with version references for audit.

  • Idempotent, versioned requests
  • Traceable source and consent references
  • Human-review and data-needed states
  • Ongoing monitoring signals
{
  "profile_id": "iyi_ke_04a19",
  "recommendation": "APPROVE",
  "capacity": {
    "safe_amount": 20000,
    "currency": "KES",
    "repayment_rail": "MILK_DEDUCTION"
  },
  "risk": {
    "pd_180d": 0.041,
    "confidence": 0.86
  },
  "reasons": [
    "DELIVERY_CONTINUITY",
    "SETTLEMENT_VERIFIED"
  ],
  "policy_version": "dairy_wc_07"
}

Clear accountability

IYI augments the lender. It does not become the lender.

IYI provides

  • Consent and evidence orchestration
  • Identity and source verification
  • Profile, capacity and risk signals
  • Reason codes and audit evidence
  • Monitoring and learning signals

The lender retains

  • Customer relationship and credit contract
  • Final policy, pricing and approval
  • Capital and balance-sheet risk
  • Provisioning and regulatory reporting
  • Collections and legal enforcement

Due-diligence ready

The controls a responsible deployment needs.

01Tenant and purpose isolation
02Encryption and key management
03SSO, MFA and least privilege
04Immutable audit events
05Model monitoring and change control
06Backups, recovery and incident response

Certification and deployment requirements are agreed per market and institution; this website does not claim certifications not yet independently verified.