Cadence

Read the rhythm.
Lend with reasons.

Cadence turns a loan applicant's account data into an explainable decision. Account access is a commodity — the categorisation and decisioning layer is the work. The credit decision itself is deterministic, transparent code an auditor can follow.

Take the 60-second tour
Detected cash-flow rhythm~6 months · Demo Bank
Salary
monthly spike
Recurring
rent · utilities
Obligations
loans · BNPL
01
Consent
AIS access, 180-day expiry
02
Retrieve
Berlin Group account data
03
Categorise
Model labels every line
04
Afford
Haushaltsrechnung budget
05
Decide
Transparent, auditable