The Science Behind the Living AI-Engine
Real-time behavioral inference that transforms platform activity into dynamic, continuously updating credit profiles — no bank statements required.
Multi-Dimensional Alternative Data Ingestion
Converting non-traditional signals into structured financial intelligence
Platform APIs feed non-traditional signals — delivery completion rates, client feedback scores, earnings stability, work-hour consistency, and engagement patterns — into our structured data layer. Each data point is normalized, weighted, and mapped against behavioral models trained on millions of gig-worker interactions across Southeast Asia.
Real-time Behavioral Inference
ML models that never sleep — scoring, detecting, and adapting every hour
Our machine learning models perform anomaly detection, fraud prevention, and daily risk recalculation. Unlike traditional credit bureaus that update monthly, our Living AI-Engine recalculates worker risk profiles every hour, catching behavioral shifts — both positive and negative — in real time.
Ethical Product Routing Matrix
A fundamentally different approach to financial products for gig workers
| Dimension | Traditional Lending | AFINX |
|---|---|---|
| Interest Model | Compound Interest 24–365% APR | Cost-Plus (Murabaha) 2–5% |
| Risk Transfer | Full borrower risk | Shared (Musharakah model) |
| Default Handling | Aggressive collection | Restructuring with grace period |
| Data Source | Bank statements (30-day lag) | Real-time platform API (hourly) |
| Compliance | Often unregistered (Pinjol) | OJK Sandbox / PIPL / PDP compliant |
Security & Data Privacy
Built for the most stringent regulatory environments in Asia-Pacific
PIPL China
Full compliance with China's Personal Information Protection Law for cross-border data processing
PDP Indonesia
Aligned with Indonesia's Personal Data Protection regulation for worker data handling
GDPR Alignment
European-grade data governance standards applied across all operations
OECD AI Principles
Transparent, explainable AI scoring with full audit trails and bias monitoring
Want to see the Living AI-Engine in action?
Request a Technical Demo