PLATFORM
An AI-native platform for underwriting readiness.
CreditOS combines governed AI agents, deterministic credit services, tenant-specific policy context, and audit-grade workflows to prepare files before underwriting.
PLATFORM LAYERS
Built as infrastructure, not just a screen.
Engagement surfaces
Workbench, Partner Portal, Admin, Slack/Teams integrations, LOS embeds, and agent clients.
Headless access
REST APIs, webhooks, event streams, MCP tools, SDKs, and experience objects — every capability addressable by code or by agents.
Agent control plane
Agent registry, tool registry, human-approval gates, prompt/model registry, traces, evaluations, and guardrails.
Readiness intelligence
Agents coordinate intake, document classification, stips, reconciliation, memo drafting, and policy explanation.
Deterministic credit runtime
Policy-as-code, DSCR, global cash flow, SBA fees, sources & uses, readiness gates, promotion eligibility.
Trust & audit
Tenant isolation, usage metering, audit ledger, human approvals, regulator-grade traceability.