Underwriting Workflow

Underwriting Workflow

Credie’s underwriting is fully automated, AI-driven, and recalculated for each credit request using real-time signals.

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Step-by-step flow:

1. User Onboarding

   • Lightweight KYC (email + device fingerprint)

   • Wallet linking (EVM or mobile-native)

2. Credit Assessment

   • Pull dynamic Credie Trust Index (CTI)

   • Run risk percentile through ML stack

   • Compare with current liquidity pool risk thresholds

3. Loan Quote Generation

   • User receives:

     • Loan amount range

     • Repayment window

     • Dynamic APR tier

   • Quotes are time-sensitive, valid for 15 minutes

4. Smart Contract Signing

   • User accepts terms and signs loan agreement

   • Funds are released via smart contract

   • Contract includes auto-repay fallback via wallet triggers

5. Post-loan Monitoring

   • Behavior during repayment contributes to future CTI

   • Rewards offered for early repayment and positive actions

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Visual Summary:

    A[User Request] --> B[CTI + Risk Score]
    B --> C{Eligible?}
    C -- Yes --> D[Quote Offered]
    C -- No --> E[Denied or Waitlist]
    D --> F[Smart Contract Executed]
    F --> G[Funds Released]
    G --> H[Live Repayment Tracking]

The underwriting engine is stateless and uncached, each decision is fresh and unique, reducing gaming and model manipulation.