Permissioned evidence
Relevant records are connected for a defined lender purpose
How IYI works
Confidence before calculation.
IYI does not treat every data point as equally reliable. Evidence is verified first, interpreted in the rhythm of the livelihood, and only then translated into profile signals.
IYI
PROFILE
SOURCEIDENTITYFRESHNESSCONSISTENCYPROFILE
Continuous evidence architecture
A profile that compounds as verified evidence develops.
IYI is not a one-time questionnaire or a thin score. Its proprietary evidence intelligence creates a longitudinal view of economic capacity, continuity and resilience—without exposing the underlying method.
Identity assurance
Records are resolved to the appropriate person or enterprise
Longitudinal understanding
Patterns are interpreted across time—not from one snapshot
Contextual intelligence
The meaning of change is assessed within the livelihood
Decision assurance
Confidence, exceptions and audit lineage remain visible
CONTROLLED INTELLIGENCE LAYER
01Establish evidence integrityPermission, identity and lineage controls are applied.
02Interpret longitudinal patternsProprietary methods distinguish meaningful change from normal variation.
03Calibrate profile confidenceMultiple dimensions are evaluated together; no single public rule determines the result.
04Deliver a governed decision viewLenders receive explainable outputs, reason categories and auditability.
NEW EVENTS CAN TRIGGER A PROFILE REFRESH
Protected-method boundary: IYI discloses the control framework and decision outputs—not its feature definitions, transformations, source weighting, interaction effects, calibration, thresholds, parameters or monitoring logic. Those elements remain proprietary and are shared only through controlled due diligence.
Evidence first
Every event carries its own reliability.
Independent, permissioned evidence can carry different levels of assurance. IYI keeps that distinction visible to the lender while protecting how those differences are mathematically derived.
CheckQuestionProfile impact
Source
Who produced the record?
Reliability weight and lineage
Identity
Does it belong to this person or business?
Match confidence or assisted review
Freshness
Is it recent enough for this decision?
Time decay and data-needed flag
Consistency
Does it align with related events?
Corroboration or integrity review
Core profile signals
Understand capacity and risk without losing context.
01
CAPACITYWhat can be repaid safely?
Estimate conservative disposable cash flow after productive costs, household or business buffers and known obligations.
02
CONTINUITYHow dependable is the activity?
Read the person’s real earning rhythm—daily, weekly or seasonal—and distinguish normal variation from a lasting change.
03
RESILIENCEWhat happens under stress?
Test whether the proposed structure still holds through price shifts, illness, weather or a disrupted route to market.
04
INTEGRITYHow trustworthy is the evidence?
Compare source, timing, identity and network patterns, while routing ambiguity to review instead of automatically excluding people.
Profile evolution
The borrower does not stay still. Neither does the profile.
A borrower can progress from a thin first file to a rich, longitudinal credit identity. IYI retains that development while remaining sensitive to recent deterioration, recovery and new evidence.
Identity and initial activity establish a cautious baseline.
Repeated observations reveal the livelihood’s real rhythm.
Production, settlement and money movement reinforce one another.
New conditions update the profile without erasing its history.
WHEN THE WORLD CHANGES
IYI updates the decision-relevant state.
Refresh the current profile state
Reassess capacity and continuity
Update resilience and affordability
Increase decision confidence where supported
Reduce confidence or route to human review
Test whether the proposed structure still holds
Decision language
Uncertainty gets an honest answer.
IYI returns a profile and explainable recommendation. The lender’s versioned policy remains the final authority.
Signals and policy fit the lender’s threshold.
A person should review context or an exception.
Coverage is too thin for a responsible answer.
The proposed product does not fit current capacity or policy.
Governed by design
A model should be challengeable.
Every recommendation is linked to the evidence, profile version, model version, policy version and reason codes that produced it.
01Consent and purpose limits
Collect only data approved for the stated use.
02Fairness monitoring
Compare outcomes and errors across relevant groups.
03Human review
Route uncertainty and exceptions to accountable people.
04Audit reconstruction
Rebuild the exact basis of a past decision.