VISIONRAILSDOSSIERFAQ
CreditRailsCREDITRAILS
STEALTH · 2026REQUEST ACCESS
CR / PASSPORT V1.3 · LAGOS · NAIROBI · ACCRA

UNLOCK Africa's
Credit GAP.

A portable credit and KYC identity, AI-scored from permissioned data — mobile-money flows, utility payments, gig earnings. Pending regulatory approval across four jurisdictions. Details are, for now, by invitation.

JOIN THE WAITLIST →THE VISION
STATUS
STEALTH · PILOT
JURISDICTION
NG · KE · GH · ZA
WAITLIST
9 ON-RAIL
01 / VISION

One passport.
Every rail.

Hundreds of millions of Africans are credit-invisible to traditional bureaus but leave rich permissioned exhaust — mobile-money, utilities, gig earnings, BNPL history. CreditRails ingests that exhaust, with consent, and emits a portable credit passport that travels with the borrower across every lender on the continent.
01 / PROVENANCE
Permissioned data.
Nothing scraped.
Every data point is granted by the user in a single tap. Revocable. Jurisdiction-aware. Auditable to the transaction.
02 / RAILS
Portable across
every institution.
A single passport reads the same to a bank in Lagos, a telco in Nairobi, or a fintech in Accra. No re-onboarding. No duplicate diligence.
03 / SCORE
AI-scored, from
live INCOME SIGNALS.
Alternative scoring model trained on 128 million permissioned data points across four markets. 0.02% observed default rate in pilot.
04 / SILENCE
Stealth until
regulation clears.
Four jurisdictions. Four regulators. The product stays dark until approval is in hand. Waitlist members are onboarded first.
02 / RAILS

Three tiers
of access.

01 / OBSERVER
OBSERVER
READ · SANDBOX
Waitlist seat. Receive the quarterly dossier, regulatory briefings, and sandbox access to specimen passports.
INVITE
—
APPLY ↗
02 / PILOT
PILOT
API · LIMITED
For lenders. Query up to ten thousand passports across NG · KE · GH · ZA in a regulated sandbox. Signed under NDA.
PILOT FEE
QUOTED
APPLY ↗
03 / INSTITUTIONAL
INSTITUTIONAL
FULL RAIL
For banks, telcos, and treasuries. Full rail access, real-time scoring, co-regulatory engagement. Post-approval only.
POST-APPROVAL
SEALED
APPLY ↗
VIEW ALL TIERS →
03 / DOSSIER

The passport
is YOUR KEY TO CREDIT.

Your most important credential, issued in under 300 seconds, carried silently between lenders. We will not be describing the rest, not until regulators say otherwise. Join the waitlist. Refer friends to gain privileged access at launch.

REQUESTSEALED DOSSIERJOINOBSERVER LIST
04 / DOSSIER

Frequently
Asked
Questions.

The short answers we can give while in stealth. The long ones are in the dossier.

01What is CreditRails?+
An alternative credit passport for Africa — a portable, AI-scored credit identity built from data the user has permissioned themselves. It travels between banks, telcos, fintechs, and lenders, so borrowers aren't re-diligenced at every doorstep.
02Why are you in stealth?+
CreditRails operates across four jurisdictions with live retail borrowers. Each regulator is in active engagement. Until every approval is in hand, the product remains dark — we will not describe what we cannot yet lawfully deliver. Waitlist members receive a sealed quarterly dossier.
03Who is the waitlist for?+
Lenders, telcos, banks, regulators, and individual borrowers across NG · KE · GH · ZA. The application on the contact page routes you to the correct observer cohort.
04When will you launch?+
No date will be published before regulatory clearance. A private launch window will be communicated to pilot cohort members under NDA.
05Is my data safe?+
Every data point in a passport is granted in a single tap and revocable in the same tap. Provenance is auditable to the transaction. Scoring is performed on permissioned data only — nothing scraped, nothing sold, nothing shared without explicit, jurisdiction-aware consent.
06How does a passport differ from a bureau score?+
A traditional bureau aggregates reported credit events — bureaus do not see the credit-invisible. A CreditRails passport reads the ledger the user lives in: mobile-money flows, utility payments, airtime, gig earnings, BNPL. The score emerges from the real-time signals the borrower actually produces.
— HAVE MORE QUESTIONS?

Three quiet channels.

Observer
Waitlist

↗

For individuals and institutions. A short intake with five questions on your market and use case.

APPLY

Press /
Regulatory

↗

Media, policy, and regulatory affairs. Requests are triaged within three business days in Lagos, Nairobi, or Accra.

WRITE

Partner
Diligence

↗

Banks, telcos, PSPs, and neobanks considering pilot. Under NDA. A named partner lead will respond directly.

DILIGENCE