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digital-lending

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AI/ML credit underwriting engine for credit-invisible MSMEs using alternate data (GST, Account Aggregator, UPI, EPFO). Built with XGBoost and SHAP for explainable, real-time risk assessment. Seamlessly integrates with India's public digital lending rails (ULI & OCEN frameworks).

  • Updated Sep 14, 2026
  • Python

A responsible digital lending prototype referencing RBI Digital Lending Guidelines (2022). Demonstrates transparent cost disclosure, per-field consent, and plain-language eligibility decisions for first-time borrowers. Built with Next.js 14 + FastAPI + SQLAlchemy. 29 tests. Live demo: frontend-ruby-ten-67.vercel.app

  • Updated Sep 9, 2026
  • TypeScript

Indifi — independent third-party profile of a public API surface, by API Evangelist. Indifi Technologies Pvt. Ltd. is an Indian digital lending platform that provides collateral-free business loans to micro, small, and medium enterprises (MSMEs). Founded in Gurugram, Indifi originates and underwrites term loans, working-capital lines of credit, uns

  • Updated Oct 4, 2026

Blend — independent third-party profile of a public API surface, by API Evangelist. Blend (Blend Labs) is a cloud digital-lending and account-opening platform for banks, credit unions, and mortgage lenders. Its Builder platform powers consumer-facing origination for mortgage (home lending), consumer lending (home equity, personal loans, credit card

  • Updated Oct 4, 2026

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