The Photon Engine
A new dimension in credit assessment. Adjust the data inputs below to see how our AI crafts a holistic financial identity in real-time.
Traditional Credit
Credit history, Utilization
Digital Assets
Crypto, NFTs, DeFi
Alternative Data
Utility bills, Rent payments
How It Works
Photon analyzes a diverse range of data points in three simple steps to create a truly comprehensive financial identity.
1. Data Aggregation
We securely connect to traditional and alternative data sources.
2. AI Analysis
Our engine identifies patterns and correlations invisible to legacy systems.
3. Photon Score
A single, dynamic score that reflects true creditworthiness is generated.
A More Complete Picture
By looking beyond a simple credit report, Photon unlocks financial opportunities for more people.
Get instant credit assessments in seconds, not days. Our AI processes thousands of data points simultaneously.
Our model provides fair assessments for those with thin credit files, including digital asset holders.
Your data is encrypted and processed using zero-knowledge protocols. We see patterns, not personal details.
Ready to Get Your Photon Score?
Join thousands who have already discovered their true creditworthiness with Photon's AI-powered assessment.