Link mobile money, bank, and rent records in minutes.
Credolay scores 80,000+ behavioural signals instantly.
AI pairs you with the right lender and product.
Lender gets a verified application. No branch needed.
Your score improves month by month as you pay rent.
Turn rent history into a trusted profile lenders can verify.
Screen tenants confidently with verified behaviour data.
Price credit on behaviour, not missing paperwork.
Score updates continuously as you pay rent, not once a month. Always current.
You decide what to share, with whom, and for how long. Every access is logged.
Mobile money, airtime, and utility payments are enough to build a strong score.
We model future repayment probability — not just your past behaviour.
24 months of on-time rent = two years of mortgage proof, automatically verified.
Share a tamper-evident, offline-verifiable profile with any lender or landlord.
“For the first time in 6 years of renting, a lender looked at my rent history. Pre-approved in 48 hours.”
“We cut bad-debt provisions by 34% in Q1. Behavioural signals surface risk months before payments miss.”
“Our agents close tenancy applications 3× faster. The score replaces a week of manual reference checks.”