AI-driven underwriting • explainability • compliance
AI Credit Scoring that's explainable, affordable, and compliant.
Whether you need an AI credit score and affordability check for borrowers, or a unified borrower summary in MCP — HyboPay helps you make faster, safer decisions with audit-ready reasoning.
- • Stable income pattern
- • Low revolving utilization
- • Consistent repayment history
HyboPay helps teams move from manual underwriting to transparent, policy-aligned decisioning — with monitoring and reporting built in.
Core capabilities
A unified framework spanning scoring, affordability, document validation, and compliance — designed for real-world lending workflows.
Built for regulated finance
HyboPay supports institutions that need both speed and trust — from credit unions and banks to lending platforms and regulators.
Speed up borrower assessment with automated affordability checks, document validation, and clear explainability — while maintaining policy control and audit trails.
Generate policy-aligned offers with risk and affordability constraints — and explain the “why” behind every recommendation.
Unified borrower summary in MCP
HyboPay can consolidate borrower signals into a single summary view — combining scoring, affordability, validation outcomes, and compliance checks to support faster decisions and clearer governance.
Scorecards and ML signals with transparent drivers and policy overlays.
Income/expense aggregation, categorisation, and stress testing.
Audit logs, compliance agents, and regulator-friendly reporting.
Request a demo
Tell us what you’re building — credit scoring, affordability checks, borrower summaries, or compliance workflows — and we’ll show how HyboPay can help.