Lending
5 technical briefings from 5 companies building lending infrastructure.
Kareem Saleh
Fairplay founder and CEO Kareem Saleh walks through "fairness as a service" for any algorithm making high-stakes decisions. The briefing demos customer composition and demographic imputation, proxy detection on a bias-vs-predictive-power matrix, fair lending analysis across women, Black, Hispanic, API, and American Indian applicants with Shapley-based driver attribution, census-tract-level geographic maps, a Fairness Optimizer that adds $1M of profit while closing Black-applicant approval gaps, SR 11-7 model risk documentation, and second-look models that surface thousands of additional approvals from declined applications.
Raven Jiang
Arc is a B2B financing platform for software companies, pairing Arc Advance (revenue-based financing) with Arc Treasury (a deposit account for the same customer profile). This briefing walks through the Arc customer onboarding flow — NDA, API credentials for banking, accounting, and billing — and the unified data model Arc has built across all three. Live demos connect Capital One via Plaid sandbox, accounting data via Codat, and billing via Stripe, with each sync landing in Arc's GraphQL backend as canonical data events. Behind the scenes, Arc normalizes data across multiple aggregators per domain using virtual SQL views, preserves raw provider data for traceability, and optimizes connector selection for long-term stable recurring connections — because Arc re-syncs this data continuously to monitor risk on outstanding balances and surface upsell opportunities.
Stephen Young
NFTfi presents their peer-to-peer NFT-backed lending marketplace at V-Sum Eleven. Presented by Stephen Young, walking through the borrower experience — listing NFTs as collateral, receiving offers, and managing loans.
Mike Sall
Goldfinch Finance presents their decentralized credit protocol at V-Sum Eleven. Presented by co-founder Mike Sall, covering how Goldfinch enables crypto lending to real-world businesses through Backer and Senior Pool mechanics.
Credolab is a Singapore-headquartered company building smartphone-based behavioral credit scoring for the financially underserved. The demo shows how Credolab\'s lender-embedded SDK (Android) captures behavioral metadata alongside the borrower\'s consent during a standard loan-application flow — with no PII ever leaving the phone (50,000 behavioral data points compressed into a 50 KB JSON). The borrower sees transparent Google-policy permission prompts (allow/deny per permission), Credolab reports coverage completeness (e.g. 83% if some permissions are denied), and the score plus metadata (record ID, device ID, timestamp, permissions) surfaces in the lender\'s dashboard in real time. The Credolab score focuses on intent to repay (behavioral patterns matched against known defaulter features via proprietary ML) rather than ability to repay — so it complements existing bureau data rather than replacing it. Use cases span emerging markets without credit bureaus (thin-file approvals on fair terms), developed markets (risk-based / relationship-based pricing), and instant-decision products like short-term loans, buy-now-pay-later, e-commerce, and e-wallets. Credolab has 86 clients across 26 countries.