kranekredit, by krane

Credit that sees the whole picture.

kranekredit reads how people actually earn, spend and pay, then turns it into one clear, explained credit decision. Lend to more people. Without lending blind.

Built with a global perspectiveBuilt from Africa, starting from NigeriaConsent-firstAPI-first

Decision · Adaeze O.Sample

KRK-742-R2-D3-T4

742

Krane Prime T4 · 720 to 779

Recommended: Approve

Top reasons

01Consistent monthly inflows, 11 of 12 months
02Low existing obligations against income
03No bureau conflicts, FirstCentral and CRC

Signals read

Banking45%

Bureau30%

Alt. signals25%

Weights illustrativeLogged · audit trail on record

Decode every nairaSample

The problem

Nigeria's lenders are deciding with half the picture.

The system counts transactions. It doesn't know people. Banks see balances, payment platforms see movement, bureaus see borrowing history and often disagree. No one combines these signals.

133Madults in Nigeria

63%of them are banked, about 84 million people

<10%have ever formally borrowed

Sources: UN World Population Prospects 2024; EFInA Access to Finance Survey 2023; World Bank Global Findex 2025.

Thin files, real lives.

Millions earn steadily outside a payslip. Bureau files barely see them, so good borrowers get declined.

Statements nobody can read.

Narrations like PSTKDIRECTDEBITZAP hide what money is really doing. Most tools treat them as noise.

Bureaus that disagree.

A loan on CRC and missing from FirstCentral is a red flag most systems never catch.

Decisions without reasons.

Black-box scores leave risk teams guessing and borrowers in the dark.

The result: lenders say no to people they should approve, and yes to risks they should have seen.

The solution

One layer between Africa's real economy and its lenders.

kranekredit reads every signal the way a seasoned Nigerian credit analyst would, at machine speed, and hands your team one portable answer: the KRK Signal.

Statement · GTBank · Oct 2026 · 6 of 412 linesSample

As received	Decoded	Category	Amount
PSTKDIRECTDEBITZAP	Paystack direct debit	Recurring obligation	-₦15,000.00
PAYSTACK CHECKOUT/BOLT	Bolt, paid via Paystack	Transport	-₦3,450.00
NIP/OPAY/ADEBAYO T/TRF	Transfer in from OPay	Income: transfer	+₦85,000.00
FLW*IKEDC PREPAID	IKEDC, paid via Flutterwave	Utilities	-₦20,000.00
MPT POS/CW/LEKKI PH1	Moniepoint POS cash withdrawal	Cash	-₦10,000.00
REMITA/SAL/OCT26/0417	Salary, paid via Remita	Income: salary	+₦412,500.00

Raw next to resolved. Every narration keeps its original string, so your team can always check our working.

How it works

From paperwork to decision in minutes.

Connect. Read. Decide. Your rules and your team stay in control. kranekredit recommends, you decide.

Connect

The applicant consents and shares their bank statement, by PDF upload or connected account.

Read

kranekredit decodes every transaction, checks both bureaus and adds real-world signals.

Banking and cash flow~45%

Bureau, FirstCentral and CRC~30%

Everyday financial signals~25%

Decide

You get a score, a risk signal and ranked reasons in minutes, ready for your rules or your team.

KRK SignalKRK-742-R2-D3-T4

OutcomeApprove · Refer · Decline

Weights are illustrative. When an input is unavailable, the others reweight proportionally, and the decision shows it.

The suite

Five modules. One decision-grade signal.

Use the full suite end to end, or plug a single module into the systems you already run.

Consent record · Adaeze O.Sample

Applicant agreed to share the following, for this application only.

GTBank statement, 12 monthsConnected account

OPay statement, 6 monthsPDF upload

FirstCentral and CRC credit checksConsented

Utility and airtime payment historyConsented

Bureau reconciliation · FirstCentral and CRCSample

Facility	FirstCentral	CRC	Result
Renmoney personal loan	₦0 · closed	₦0 · closed	Match
Carbon micro loan	₦18,000	₦18,000	Match
BNPL, phone purchase	Not reported	₦96,000	Conflict flagged

A conflict is a signal. We weight both bureaus by confidence and show you exactly where they disagree.

Explained by default

Six tiers. One number everyone can act on.

Every KRK Signal resolves to a named tier, a recommendation and ranked reason codes, so your risk team can defend it, your regulator can audit it and your borrower can understand it.

T0Restricted300–449

T1Krane Basic450–549

T2Krane Standard550–649

T3Krane Plus650–719

742Sample applicant

T4Krane Prime720–779

T5Krane Platinum780–900

Built for

Built for the lenders moving Nigeria forward.

Designed for FirstCentral, CRC, Paystack, Flutterwave and Nigeria's major banks and digital banks.

Digital lenders

Fast, accurate decisions at scale, inside your existing flow.

Microfinance banks

Reach traders, artisans and small businesses with confidence.

BNPL and asset finance

Price risk at checkout or on the road, in minutes.

Banks

Extend credit beyond the salaried few, with reasons on record.

Designed for the Nigerians banks and traditional institutions overlook.

Gig workers and creatorsReal, patterned income becomes scoreable.
Self-employed tradersJudged on the shape of their cash flow, not a payslip they don't have.
First-time borrowersA first real shot at credit, priced on who they actually are.

For developers

One API. One signal. Live in days, not quarters.

One POST returns a score, a tier, a KRK Signal and reason codes. A consumer scorecard comes back from the same call.

REST endpoints with idempotent requests
Webhooks for every event, from consent to decision
Sandbox loaded with realistic Nigerian test applicants

# Create a decision for one applicant (sandbox)
curl https://api.krane.finance/v1/decisions \
  -H "Authorization: Bearer $KRK_SANDBOX_KEY" \
  -H "Idempotency-Key: app-0417" \
  -d '{
    "applicant_id": "app_0417",
    "consent_id": "cns_7Hq2Lk9",
    "sources": ["statement", "bureau", "alt_signals"],
    "statement": { "connection_id": "con_gtb_91x" }
  }'

{
  "signal": "KRK-742-R2-D3-T4",
  "score": 742,
  "tier": { "code": "T4", "name": "Krane Prime" },
  "recommendation": "approve",
  "reasons": [
    { "rank": 1, "code": "INC_CONSISTENT", "text": "Consistent monthly inflows" },
    { "rank": 2, "code": "OBL_LOW", "text": "Low existing obligations" },
    { "rank": 3, "code": "BUR_CLEAN", "text": "No bureau conflicts" }
  ],
  "inputs": { "banking": 0.45, "bureau": 0.30, "alt_signals": 0.25 },
  "consumer_scorecard": {
    "insight": "Your monthly transfers in show steady income, even without a payslip."
  },
  "audit_id": "aud_2Mx81"
}

# POST to your endpoint when a decision is ready
{
  "event": "decision.completed",
  "data": {
    "applicant_id": "app_0417",
    "signal": "KRK-742-R2-D3-T4",
    "recommendation": "approve",
    "review_required": false
  },
  "created_at": "2026-10-26T09:16:04+01:00"
}

Security and trust

Consent-first, explainable and on record, by design.

Consent, audit trails and controls are built in, not bolted on.

Consent first.

We only read data an applicant agrees to share.

Built for Nigerian data protection law.

Designed around the NDPA from day one.

Every decision on record.

Full audit trail of inputs, versions and overrides.

Encrypted end to end.

In transit and at rest.

Why krane

Operators who've shipped credit infrastructure across Africa.

Combined experience at Interswitch, Renmoney, Startbutton, Eazipay, P2Vest, Tunga, Skywatch and Athyn Labs. Advised by senior executives at leading Nigerian banks, fintechs and VC firms.

Questions

What lenders ask us first.

Is kranekredit a credit bureau?

No. We work alongside the bureaus and add what they can't see, then combine it all into one decision.

Who makes the final decision?

You do. kranekredit gives you the clearest picture and a recommendation. Your rules and your team stay in control.

How long does integration take?

Most teams can run a first live check within days.

Which banks do you support?

Statements from major Nigerian banks and digital banks, by PDF or connected account.

Do borrowers know their data is used?

Always. Nothing is read without consent.

See who you've been missing.

Send us a sample of past applications. We'll show you the borrowers you could have approved and the risks you could have avoided.

Or write to founders@krane.finance