For lenders
Underwrite with evidence.
- Clear credit assessment recommendations
- Institution-controlled policy rules
- Portfolio monitoring and outcome validation
- APIs, sandbox, CSV ingest, and webhooks
Built for authorized financial institutions
Make Better Financial Decisions with Verified Borrower Data.
Help banks, MFIs, SACCOs, digital lenders, merchant credit providers, and authorized financial institution partners verify borrowers, assess credit readiness, configure lending policies, reduce fraud risk, and monitor portfolio performance.
- Permission-based readiness reviewPurpose-bound borrower access
- Clear decision supportReasons, 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
Institution infrastructure. Borrower readiness.
DurujScore gives institutions the infrastructure to make better lending decisions while helping borrowers improve readiness, manage documents, and control sharing choices.
For borrowers
Own your credit profile.
- Build a financial readiness profile from verified data
- Choose when to share your profile
- Improve readiness before applying
- Use the Duruj Passport at no cost
Financial intelligence and decision 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 PassportFinancial readiness profile, 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 Verification Paths
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 a black box
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 assessment, 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
Everything you need to assess borrowers
Credit, risk, reports, oversight, and readiness in one governed platform.
Duruj starts with credit decisions and expands into financial readiness, risk oversight, portfolio intelligence, reporting, governance, and responsible financial access.
Duruj product
Credit Assessment
Risk level, readiness, reason codes, recommendations, and audit evidence.
Duruj product
Borrower Intelligence
Income stability, cashflow behavior, affordability, savings, and obligations.
Duruj product
Fraud & Identity Risk
Identity verification, duplicate checks, document evidence, and suspicious activity.
Duruj product
Policy Studio
Institution-specific parameters, weights, risk bands, rules, and maker-checker approval.
Duruj product
Risk Analyst
Risk heatmaps, trend analysis, early warnings, and exception monitoring.
Duruj product
Reports
Credit, portfolio, consent, fraud, branch, outcome, and compliance reporting.
Duruj product
Portfolio Monitoring
Repayment outcomes, PAR trends, cohort analysis, branch and product performance.
Duruj product
Trust Center
Consent, audit, dispute handling, access control, model governance, and NBE-aligned workflows.
Duruj product
Developer Platform
APIs, webhooks, sandbox, policy APIs, outcome APIs, and audit integrations.
Duruj product
Financial Readiness Profile
Consumer Passport for readiness, identity profile, consent, documents, and tips.
Built for lending institutions
One platform, configured for each institution type.
Duruj helps banks, MFIs, SACCOs, digital lenders, merchant credit providers, and authorized fintech partners verify borrowers, assess credit readiness, detect fraud risk, and make better lending decisions.
Institution
Banks
For formal lending, credit risk, and portfolio monitoring.
Institution
MFIs
For thin-file borrowers, group lending, and branch-based credit workflows.
Institution
SACCOs
For member lending, contribution history, guarantors, and cooperative credit decisions.
Institution
Digital Lenders
For fast API-based identity, income, risk, and fraud checks.
Institution
Authorized Fintech Partners
For embedded credit, wallet lending, and financial-data APIs.
Institution
Merchant Credit Providers
For merchant finance, working-capital decisions, and repayment monitoring.
Bring your own credit policy
Your credit policy. Your risk appetite. Powered by Duruj.
Each institution can configure its own parameters, scoring weights, approval rules, risk appetite, and product-specific policies. Duruj provides the engine; the institution controls the rules and final decision.
Credit parametersScore weightsDecision rulesRisk bandsProduct policiesApproval workflowBacktestingPublish and rollback
Example weights
SME Working Capital Policy
Income stability20%ETB
Cashflow20%90d
Repayment history25%Core
Fraud risk10%Rule
Hard rules can still override the score: unverified identity, high fraud risk, debt burden above policy, missing consent, or loan amount above policy limit.
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.