Decisioning, your way
Build policies that reflect your risk appetite. Change them in minutes, not sprints.
Move money with
more certainty.
Moscore provides AI-powered credit intelligence for modern lenders, delivering real-time risk decisioning signals to underwrite faster, fairer credit decisions and automate payouts seamlessly.
The signal layer
Underwrite with
the full picture.
One connected view of risk, behavior, and opportunity. Moscore turns scattered financial data into a clear decision you can stand behind.
Discover the platformCredit tier allocations Real underwriting policy
ExcellentScore 800–850
Up to GHS 2,000 · 4% interest
StrongScore 700–799
Up to GHS 1,000 · 5% interest
EstablishedScore 600–699
Up to GHS 500 · 6% interest
DevelopingScore 500–599
Up to GHS 200 · 8% interest
The actual score-to-offer policy every Moscore decision runs on — configurable per institution.
One platform, every decision
Everything your team needs
to lend with confidence.
Know your borrowers
A living view of every borrower, powered by real-time signals and context.
Collect with care
The right message, at the right time. Improve recovery without sacrificing relationships.
See the signal in action
Know your numbers
before you lend.
Model the impact of better decisions with a few simple inputs.
Potential annual liftGHS 1,179,600Estimated impact of moving to real-time, signal-based underwriting
Built for builders
Your stack.
Supercharged.
A clean, powerful REST API that feels like it belongs in your codebase. Get to production in days, not months.
Get API accessapply-for-loan.ts
const res = await fetch('https://api.moscore.io/v1/loans/apply', {
method: 'POST',
headers: { Authorization: `Bearer ${apiKey}` },
body: JSON.stringify({
amount_requested: 1000,
loan_tenure_days: 30,
}),
})
const loan = await res.json()
loan.status
// → 'APPROVED' | 'PENDING' | 'DECLINED'Privacy is a feature
Secure by default.
Always.
Your data is yours. Moscore is SOC 2 Type II compliant, encrypted end-to-end, and designed to give you control at every layer.