Infrastructure for explainable, auditable AI lending decisions.

Every score, flag, and decline is evidence — traceable to a model, a factor set, and a rationale. Not a black box.

Access Platform See the borrower experience

Evaluating EthosFi as an investor or partner? Request a demo

workflow_events · live

ethoscore_assessed · app-2201

model: ethoscore-v2 · outcome: approve

case_escalated · inv-1047

severity: critical · sla: 4h

decision_recorded · app-2201

reviewer: analyst · audit: complete

Platform

Turns an AI lending decision into explainable, auditable evidence

01→

Application

Alternative-data intake — rent history, gig income, savings behaviour — for borrowers thin-file bureaus miss.

02→

EthoScore

A 4-pillar structured score (0–1000) with a plain-language rationale attached to every factor. No score enters a decision without one.

780/ 1000 · example evidence record

03→

Case (if flagged)

Risk signals ranked by severity, SLA-tracked review, assigned to an analyst — a working file, not a queue entry.

Decision

Logged as an immutable event — model, factors, reviewer, outcome — the record a regulator can be handed directly.

Explained factors / decision

100%

Decisions with audit trail

<30d

Article 22 review window

Black-box scores issued

Integration

API-first, not a replacement

EthosFi sits alongside your existing loan origination stack — LoanPro or otherwise — as a decision intelligence layer: scoped API keys, HMAC-signed webhooks, and a queryable event feed for every decision made.

—Scoped Partner API keys (read/write per resource)

—HMAC-signed webhooks with retry + delivery headers

—Article 22 human-review path on every automated outcome

POST /api/v1/applications
Authorization: Bearer sk_live_•••• · scope: applications:write
 
→ 201 Created
{
  "data": {
    "application": { "id": "app-2201", "status": "scored" },
    "score": {
      "etho_score": 780,
      "risk_band": "low",
      "recommendation": "approve",
      "model_version": "ethoscore-v2",
      "factors": [ /* 5 explained factors */ ]
    }
  }
}
 
GET /api/v1/applications/app-2201/audit
Authorization: Bearer sk_live_•••• · scope: audit_events:read
 
→ 200 OK
{ "data": { "events": [ /* full workflow_events history */ ] } }

Integrate it, or see it on a real application.

Walk through the borrower flow, or step straight into the lender platform.

Access Platform See the borrower experience