CTOS
Real-time Credit Intelligence
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Live · 184 decisions / sec

Credit decisions in real time,
across the entire lifecycle.

CTOS unifies data ingestion, feature engineering, model serving, rule orchestration, decisioning, monitoring and compliance into one API-first platform.

Access Platform Choose your role
API uptime
99.98%
p95 latency
162 ms
Models live
12
Partners
47
Live decisions
● streaming
Acme Logistics
DCN-1042
Approved
Hugo Martins
DCN-1041
Manual Review
Northern Bakeries
DCN-1040
Rejected
Verde Coffee Co.
DCN-1039
Approved
API Response · 142 ms
{
  "decisionId": "DCN-1042",
  "outcome": "Approved",
  "score": 742,
  "rate": 9.2
}

The full credit decisioning lifecycle

Data → Processing → Features → Models → Decision → API → Monitoring. Every stage observable and overridable.

Stage 1
Data
Stage 2
Pipelines
Stage 3
Features
Stage 4
Models
Stage 5
Decision
Stage 6
API
Stage 7
Monitoring

Choose your workspace

Continue to login as your role.

Platform Admin
Operate the credit decisioning core
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Lender
Submit applications, view decisions
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SME
View credit profile and eligibility
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Consumer
Track credit score and disputes
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FinTech Partner
Integrate the API & sandbox
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