For lenders
Underwrite with evidence.
- Explainable underwriting recommendations
- Institution-controlled policy rules
- Portfolio monitoring and outcome validation
- APIs, sandbox, CSV ingest, and webhooks
Built for Ethiopia's regulated credit ecosystem
AI Credit Intelligence for Financial Institutions.
Duruj Credit Score and Readiness Passport platform for individuals and financial institutions, with identity verification, permission-based profile sharing, readiness assessment, explainable underwriting, and portfolio intelligence in one governed platform.
- Permission-based readiness reviewPurpose-bound borrower access
- Explainable underwritingReasons, confidence, model version
- Audit and compliance readyInstitution-level controls
Readiness Score
82
Ready
Verified profile
Affordability (90-day cashflow)
Healthy
Sharing Status
Active
Purpose-bound
Identity
Verified
KYC evidence logged
Decision Evidence
Identity verifiedCompleteKYC
Permission capturedActiveAudit
Affordability checkedHealthyCashflow
Risk reasonsExplainablePolicy
Two audiences, one governed platform
Lender infrastructure. Borrower control.
DurujScore gives lenders the infrastructure to make better credit decisions while keeping borrowers in control of their profile, documents, and sharing choices.
For borrowers
Own your credit profile.
- Build a credit profile from verified data
- Choose when to share your profile
- Improve readiness before applying
- Use the Duruj Passport at no cost
Duruj Credit Score platform
One platform, four entry points.
Prepare every user for the right workflow: borrowers use Passport, institutions use DurujScore, developers integrate through sandbox and docs, and mobile users continue through the Passport app.
PassportDuruj PassportBorrower profile, readiness score, documents, disputes, and permission-based profile sharing.Open Passport DeveloperDeveloper SandboxIntegration testing for APIs, institution workflows, sandbox keys, and sample credit flows.Open Developer DocsAPI DocumentationReference docs for auth, response envelopes, credit-score APIs, consent, webhooks, and deployment.Open Docs MobileMobile Passport AppIndividual Duruj Passport mobile experience for OTP login, readiness, help, and secure profile access.Open Mobile
Identity
Fayda-ready verification paths
Sharing
Borrower-controlled access
Audit
Decision evidence by default
Policy
Lender-owned credit rules
SUPPORTED ECOSYSTEM
EthSwitch
Fayda
Telebirr
Banks
MFIs
SACCOs
Digital Lenders
Core Banking
EthSwitch
Fayda
Telebirr
Banks
MFIs
SACCOs
Digital Lenders
Core Banking
->
Permission-Based Readiness Reviews
Explainable Score Factors
Audit & Compliance Ready
Core Banking Integration
Fayda Identity Verification
Branch & API Workflows
Why Duruj is different
Credit infrastructure with permission, policy, and audit at the center.
DurujScore supports financial institutions without replacing the lender, the credit committee, or regulated borrower rights.
Not a lender
DurujScore does not issue credit or make final lending decisions.
Not a bureau replacement
Credit-reference access stays institution-mediated and purpose-bound.
Not black-box AI
Outputs include reasons, confidence, audit evidence, and model version.
Borrower-controlled sharing
Borrowers can grant, track, and revoke eligible profile access.
Institution-owned policy
Each lender controls its own product rules and approvals.
Ethiopia-ready integrations
Designed for Fayda, mobile money, branch workflows, APIs, CSV/SFTP, and core systems.
How Duruj works
Banks buy workflows, not just scores.
Duruj connects identity, permission-based profile sharing, credit intelligence, decision support, and outcome tracking into one governed lending workflow.
1
Verify Identity
Identity confidence, KYC status, and source evidence are recorded before credit analysis starts.
Workflow output
Audit trailRecorded
Policy ownerLender
Borrower controlPermission-based
Product suite
Four products, one credit decision infrastructure layer.
AI Underwriting
DurujScore
Credit decision support with score bands, model version, reason codes, and confidence.
Borrower Readiness Profile
Duruj Passport
Identity, documents, disputes, and permission-based profile sharing for borrower transparency.
Financial Readiness
Duruj Readiness
Loan readiness, affordability, and next-best actions by product type.
Institution Integration Layer
Duruj Connect
APIs, webhooks, sandbox, and core banking integration workflows.
Beyond the score
Measure what happens after the loan.
DurujScore supports the full decision cycle: underwriting, validation, and outcome monitoring for the lender's own portfolio.
Outcome metric
Approval Rate
Track approved, reviewed, and declined applications by segment.
Outcome metric
Default Rate
Compare predicted risk with observed repayment outcomes.
Outcome metric
Collection Recovery
Measure recovery paths, restructures, and repayment discipline.
Outcome metric
Portfolio Growth
Monitor responsible growth across branches, cohorts, and products.
API & Integrations
API-first, but branch-ready.
Integrate by REST API, webhooks, batch CSV/SFTP, or lender console. Designed for modern fintechs and real Ethiopian branch operations.
REST APIsWebhooksCSV/SFTPCore Banking ConnectorsOpenAPI SpecificationSandbox Environment
POST /api/v1/credit-scores/calculate{"person_id": "person_001","product_id": "agri-input-loan","policy_version": "v3.2","consent_id": "con_..."}200 OK{"readiness_score": 82,"identity": "verified","sharing_status": "active","affordability": "healthy","decision_support": "review","reasons": ["Verified identity","Active borrower permission","Stable cashflow"]}
Request a demo.
See how banks and lenders verify identity, confirm permission, assess affordability, and make explainable lending decisions.