Most of Africa is invisible to a credit bureau and perfectly visible in its own cash flow. Wynk turns that cash flow into a governed financial identity — scored, verified, FICA-cleared and consented — and serves it to your systems through one API.
Live from the platform serving this page — not a marketing figure.
The traditional stack asks a question the informal economy cannot answer: what have you borrowed before? Wynk asks the one it can — how does money actually move through your life?
Each pillar is a product in its own right. Together they are the reason the record is worth trusting: identity assurance makes the score credible, the score makes the FICA file risk-rated, and health makes the whole customer priceable.
Behavioural scorecards over normalised economic events, with signed reason codes.
Liveness plus 1:1 DHA/ABIS matching, and credentials that survive the last mile.
Five-step customer due diligence in one call, with the retention reference regulators ask for.
Shared-value engagement converted into an explainable morbidity index and an actuarial view.
A points economy on an append-only ledger, with the NCA inducement guard built in.
Anyone can claim an audit trail. Wynk's consent, audit and mandate ledgers are hash-chained: each entry commits to the one before it, so a silent edit breaks the chain and the platform refuses to start. The figures on the right are verified live, right now.
Verification walks every row in each ledger and recomputes the chain. It runs on this request — nothing here is cached from a build.
Score the thin-file applicant your bureau returns nothing for, then decide affordability under Reg 23A in the same call.
Extend the inclusion frontier without moving your risk appetite — an overlay that scores the applicants your scorecard declines for absence of data.
Price on measured engagement rather than declared health, with the actuarial view your reserving committee needs.
Turn settlement data into a merchant scorecard, and working capital into a product you can underwrite.
Rank a book by propensity to pay without exchanging a single piece of personal information.
One key, one base URL, per-call pricing and a health probe your DevOps team can page on.