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Read full story → LIVE • v4.2 Risk Engine — 180ms median • SOC2 Type II
Real-time credit decisions via one API.
CRS Credit API unifies bureau data, open banking, fraud signals and ML scoring into a single call. Approve more good borrowers, block losses, launch lending in days — not quarters.
99.99%Uptime SLA last 12 mo
180msMedian decision latency
42M+Scores served monthly
38%Avg. default reduction
crs-live — decision explorer● LIVE
CRS SCORE • APPLICANT #88412
782
LOW RISK • APPROVE
LOW RISK • APPROVE
PD 1.2%Limit $12.4k
Risk factors — explainable AI
Payment history 98%
Affordability 87%
Stability 76%
POST /v4/decisions → 201 Created in 142ms
{ "score": 782, "decision": "approve",
"pd": 0.012, "limit": 12400, "apy": 9.4 }
{ "score": 782, "decision": "approve",
"pd": 0.012, "limit": 12400, "apy": 9.4 }
TRUSTED BY 2400+ LENDERS ✦ BNPL ✦ NEOBANKS ✦ PAYDAY & AUTO ✦ MORTGAGE ✦ SME LENDING ✦ 40+ COUNTRIES ✦ PSD2 • FCRA • GDPR READY ✦ TRUSTED BY 2400+ LENDERS ✦ BNPL ✦ NEOBANKS ✦
01 — About CRS
Built by risk officers,
designed for developers.
crscreditapi.tech started in 2019 as an internal scoring service for a digital bank. Today CRS powers underwriting for lenders, marketplaces and telcos — combining bureau-grade data with cash-flow intelligence and zero black boxes.
🛡️
Explainable by default
Every score ships with reason codes, SHAP values and audit trail for regulators.
Every score ships with reason codes, SHAP values and audit trail for regulators.
✓
Single endpoint, 40+ data sources. Bureaus, open banking, payroll, device, fraud consortium — normalized and deduplicated.
✓
ML that learns without leaking. Federated retraining on 42M decisions/month. No PII leaves your vault with Zero-Retention mode.
✓
Policy as code. Version your credit policy in YAML, A/B test cutoffs, rollback in 1 click. Full simulator included.
✓
Compliance out of the box. FCRA, ECOA, GDPR, PSD2, CCPA adverse-action letters auto-generated in 18 languages.
2019
Founded, Tallinn + Austin
Founded, Tallinn + Austin
$210M
Fraud blocked in 2025
Fraud blocked in 2025
40+
Countries covered
Countries covered
02 — Platform
Everything for credit decisioning.
From pre-fill to collections — one contract, one dashboard, one SLA. Mix and match modules without re-integration.
CoreCRS Score 4.2
300-850 score calibrated per portfolio. PD, LGD, EAD, optimal limit & pricing in one response. Backtested on 120M tradelines.
OnboardingKYC + Fraud Shield
Document, liveness, device fingerprint, velocity and consortium fraud in 1.8s. Synthetic ID catch rate 99.1%.
Cash-flowAffordability API
Open banking + payroll categorization across 12k banks. Disposable income, rent stress, BNPL stacking detection.
GrowthPre-qual & Pre-fill
Soft-pull pre-qualification widget lifts conversion +27% with zero impact on credit file. Embed in 20 minutes.
SMEBusiness Underwriting
KYB, UBO graph, bank statements, accounting integrations (Xero, QuickBooks) and sector benchmarks.
OpsMonitoring & Collections
Daily rescoring, early-warning triggers, hardship detection and smart dunning that preserves NPS.
03 — Developers
Ship first decision in 18 minutes.
REST + webhooks, idempotent, typed SDKs for Python, Node, PHP, Go and Ruby. Sandbox with 2,000 synthetic personas.
# install
pip install crs-credit
from crs import Client
client = Client("sk_live_...")
decision = client.decisions.create(
applicant={"ssn_last4": "1234", "income": 6800},
product="bnpl_4x",
policy_version="v42-conservative"
)
print(decision.score, decision.action) # 782 approve
pip install crs-credit
from crs import Client
client = Client("sk_live_...")
decision = client.decisions.create(
applicant={"ssn_last4": "1234", "income": 6800},
product="bnpl_4x",
policy_version="v42-conservative"
)
print(decision.score, decision.action) # 782 approve
| Endpoint | Median | Use |
|---|---|---|
| POST /v4/decisions | 142ms | Full approve/decline + price |
| POST /v4/scores | 89ms | Score only, soft pull |
| GET /v4/reports/{id} | 64ms | Explainability pack |
| POST /v4/monitor | — | Subscribe to rescore |
◍
Simulator included. Replay 12 months of your history against new cutoffs before deploy.
◍
Webhooks signed. decision.updated, fraud.flagged, monitor.alert with HMAC.
04 — Pricing
Pay per decision, not per headache.
No platform fee on Scale. Volume discounts from 100k calls. All plans include sandbox, simulator and adverse-action letters.
🧪 Sandbox
$0
For builders & hackathons
- ✓ 1,000 test decisions/mo
- ✓ Synthetic data + docs
- ✓ Community support
- ✓ 1 policy version
🚀 Growth Popular
$49/mo + $0.18/call
For BNPL, lenders, marketplaces
- ✓ Live scoring + KYC bundle
- ✓ 99.99% SLA, 24/7 chat
- ✓ A/B policies + simulator
- ✓ Webhooks & monitoring
🏦 Enterprise
Custom
Banks, bureaus, telcos
- ✓ VPC / on-prem deployment
- ✓ Custom models + validation
- ✓ Dedicated risk scientist
- ✓ 40+ country coverage
05 — Insights
Latest from CRS Risk Lab.
Research, product drops and credit market analysis. Click any story to read the full article.
06 — FAQ
Questions? Scored & answered.
How accurate is CRS Score vs bureaus?
On our 2024-2025 backtest (4.2M applications), CRS Gini 0.71 vs 0.62 bureau-only. Adding cash-flow lifts approval +19% at same loss rate. Full validation pack available under NDA.
Do you do hard or soft pulls?
Both. Pre-qual uses soft pull with no impact. When you call /decisions with hard_pull:true we handle bureau inquiry, disclosures and adverse-action letters automatically.
How fast is integration?
Median 2.3 days to first live decision. Drop-in JS widget, hosted KYC flow, and Postman collection. Solution engineers help map your policy free on Growth+.
Is my customer data stored?
No, if you enable Zero-Retention. By default we store hashed features for monitoring for 13 months (configurable). SOC2 Type II, ISO 27001, GDPR DPA included.
Which countries are covered?
US, UK, EU-27, Canada, UAE, Singapore, Brazil, Mexico + 30 more via partners. Bureau coverage and open-banking rails differ — see docs matrix or ask us.
Can I bring my own model?
Yes. Host your PMML/ONNX beside CRS Score, champion-challenger it, and blend outputs in policy YAML. You keep IP, we handle infra and audit.
07 — Get started
Launch smarter lending this week.
Get sandbox keys instantly. Our team replies in under 3 hours on business days.
⭐ 4.9/5 on G2 • “Best risk API we tested”
“Cut defaults 34% in 90 days while approvals grew. Simulator alone saved us a quarter of modeling.” — Head of Risk, EU neobank, 1.2M customers.
NPS 722,400+ clientsSOC2