Score sharper.
Disburse with conviction.
Banks, SACCOs and digital lenders use MovaPay to plug into the same scoring, KYC and origination engine that we run inside telco networks at scale. Sandboxes in days. Production-ready in weeks.
telco_history_strong Everything you need before,
during, and after the loan.
Decisioning API
Synchronous scoring, decision, limit and tenor. Reason codes for explainability.
KYC & identity
National ID lookups, telco-data signals, document capture, sanctions screening — wrapped behind one endpoint.
Lifecycle hooks
Disbursement, repayment, write-off events fed back into the engine to keep next-cycle decisions live.
Backtests & challengers
Run challenger logic in shadow against production for weeks before promotion. We never deploy a scoring change you don't see first.
Audit & governance
Every decision is signed, replayable, and stored with model version and inputs. Built for the regulator question you haven't been asked yet.
Sandbox parity
Sandbox runs the same code path as live, with synthetic data shaped to your market. What works in sandbox works in production.