Credit decision
infrastructure for
modern lenders.
DurujScore transforms borrower information into structured credit intelligence - verifying identity, assessing affordability, applying institutional policies, and generating explainable recommendations with a complete audit trail.
Consent-driven data access
Uptime SLA
Avg API response
Explainable decisions
Live decision
Applicant - ETH-00284
Affordability - 90-day cashflow
HealthyDecision evidence
Recommendation
Eligible for Review
Your financial readiness,
in your pocket.
The Duruj Passport app gives borrowers a clear picture of their credit readiness, verified identity, and sharing permissions - all in one secure place.
Fair Standing - Loan Ready
Institution infrastructure.
Borrower control.
DurujScore is the bridge between institutional lending requirements and borrower-verified data. Two distinct experiences, one secure engine.
Institution Portal
- Portfolio risk monitored
- Assessment recommendations
- Controlled policy rules
- Portfolio validation
Borrower Passport
- StatusVerified
- Financial readiness profile
- Permission-based sharing
- Free to use
Duruj Passport
Readiness profile, documents, disputes, and permission-based sharing.
Open passportDeveloper Sandbox
APIs, institution workflows, sandbox keys, and sample flows.
Open developerAPI Documentation
Auth, response envelopes, credit APIs, consent, webhooks, deployment.
Open docsMobile Passport
OTP login, readiness, help, and secure mobile access.
Open mobileBorrower data goes in.
A decision you can defend comes out.
Duruj analyzes authorized data that lenders already collect - bureau reports, statements, applications, collateral - and returns a structured, explainable recommendation.
Explainable
Policy-bound
Audit-logged
Input - Supported data sources
When provided or authorized by borrower
Duruj Engine
Currently analyzing
Identity verification
Example output
Risk band
Moderate
Suggested limit
ETB 240,000
Rec. confidence
High
Output - Duruj produces
For review by your institution
Outputs depend on available customer-authorized data, institutional policies, and applicable regulations. Final lending decisions remain with the financial institution. Data source availability depends on institutional agreements and borrower consent.
Integration-ready ecosystem
Integrations depend on institutional approval, data access agreements, and deployment scope.
Permission, policy, and
audit at the center.
Not a lender. Not a bureau replacement. Not a black box. Duruj is governed decision support - the institution keeps the policy and the final call.
Banks buy workflows,
not just scores.
Identity, consent, affordability, decision, and outcome - one governed flow from application to repayment.
Step 01 of 05
Identity
Fayda-ready biometric and document verification with liveness check.
Credit, risk, reports, and oversight
in one governed platform.
Click any product to learn more
One platform, configured for
each institution type.
Banks
Formal lending, credit risk, and portfolio monitoring.
MFIs
Thin-file borrowers, group lending, and branch-based credit workflows.
SACCOs
Member lending, contribution history, guarantors, and cooperative credit.
Digital Lenders
Fast API-based identity, income, risk, and fraud checks.
Fintech Partners
Embedded credit, wallet lending, and financial-data APIs.
Merchant Credit
Merchant finance, working-capital decisions, and repayment monitoring.
Your credit policy.
Your risk appetite.
Configure requirements, approval rules, review thresholds, and product-specific policies. Duruj provides the engine; your institution controls the rules and the final decision.
SME Working Capital Policy
PublishedPolicy controls
Repayment evidence
Use repayment outcomes as governed review evidence.
Income and cashflow
Check capacity signals against institution policy.
Collateral and guarantees
Apply product-specific security requirements.
Fraud and identity risk
Route exceptions to review before approval.
Approval conditions
Keep overrides, conditions, and evidence auditable.
API-first,
but branch-ready.
Integrate by REST API, webhooks, batch CSV/SFTP, or the lender console. Built for modern fintechs and real branch operations in emerging markets.
API REQUEST / RESPONSE
POST /api/v1/credit-scores/calculate
{
"person_id": "person_001",
"product_id": "agri-input-loan",
"policy_version": "active-policy"
}Measure what happens
after the loan.
Duruj closes the loop - comparing predicted risk against observed repayment so your models and policies keep improving.
74%
+3.2% vs last quarter
Approval Rate
Track approved, reviewed, and declined applications by segment.
2.1%
-0.4% vs last quarter
Default Rate
Compare predicted risk with observed repayment outcomes.
88%
+1.8% vs last quarter
Collection Recovery
Measure recovery paths, restructures, and repayment discipline.
ETB 4.2B
+12% vs last quarter
Portfolio Growth
Monitor responsible growth across branches, cohorts, and products.
Our Latest Insights
What credit decision support means for regulated lenders.
Borrower readiness without exposing internal model design.
API integration checklist for lending workflows.
Governed credit decision
infrastructure for your institution.
See how banks and lenders verify identity, capture consent, assess affordability, and make explainable lending decisions.