Steady-Flan turns the bills people already pay on time — rent, electricity, data — into a real, bureau-recognised credit history. No new loan required to start, and no paperwork to prove what your bank statement already shows.
Founded 2026 · Prototype stage · Built for underserved markets first
This site is an early-stage prototype for Steady-Flan, an AI-powered credit-building concept — built using AI tools to validate the idea and mechanics before committing to full infrastructure. It demonstrates how the product would work end-to-end: connecting payment data, scoring it with an AI model, and reporting it to credit bureaus. We're building this out for real, starting with a pilot in Nigeria, and are seeking cloud infrastructure support (compute, storage, AI inference) to move from prototype to a live, tested product.
Traditional credit scoring relies on formal loans and credit cards — products most people in emerging markets have never had access to. That leaves consistent, responsible payers with no way to prove they're low-risk when they finally do need credit.
Users link rent, electricity, data, or transport payments. Steady-Flan verifies them directly from bank or wallet data — no paperwork, no manual proof.
Our model reads payment consistency over time and turns it into a structured credit profile, flagging what's helping or hurting the score.
Once a history is stable, it's reported to recognised credit bureaus — so lenders can finally see who a user really is financially.
Digital tools that read real payment behaviour and turn it into a usable, structured credit profile — no guesswork, no manual forms.
Bank-level data handling with encryption in transit and at rest. Users control what's connected and can disconnect at any time.
Purpose-built for people traditionally locked out of formal credit systems — starting with renters, gig workers, and informal earners.
Designed for today's connected world — mobile-first, low-data, and built for the devices our users actually have.
Every score is explainable. Users see exactly what's helping or hurting their profile — never a black box.
Built to evolve as bureau standards, regulation, and AI capability grow across emerging markets.
Whether you're a potential user, partner, or investor — reach out directly and we'll get back to you.
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