Credora - AI Credit Scoring for Informal Workers

Two billion informal workers – market vendors, drivers, farmers, and small‑scale traders – work every day, save money, and repay debts. Yet banks cannot see them because their financial evidence lives outside formal systems: bank SMS alerts, WhatsApp payment confirmations, teller deposit slips, cooperative passbooks, and handwritten receipts. No existing credit infrastructure can read any of it, so they are denied loans not because they are risky, but because they are invisible. Credora solves this by becoming a translation layer. It takes whatever evidence a worker already has – an image, a PDF, a text paste, or a spreadsheet – and extracts every financial event using a vision‑language model. The extracted transactions are cross‑checked for duplicates and fraud, then fed into a transparent scoring engine that produces an income stability score, a repayment reliability score, and a data confidence score. The final output is a single, portable credit profile that belongs to the worker and can be taken to any lender on the platform. Credora finally gives credit to the people who have been credit‑worthy all along.