Neumetria
Neumetria
Neumetria
Neumetria turns a borrower's transaction history into a current behavioral financial state — income rhythm, liquidity horizon, spending confidence — that lenders and AI agents can read before making a decision.
Neumetria turns a borrower's transaction history into a current behavioral financial state — income rhythm, liquidity horizon, spending confidence — that lenders and AI agents can read before making a decision.
CATEGORIES
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Risk & Modeling
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Cash Flow Analytics
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AI Services
Point of Contact
Overview
Neumetria is a behavioral understanding layer that reads transaction streams and turns them into a current, per-person financial state — covering income rhythm, liquidity horizon, spending confidence, and borrowing readiness — rather than a static credit snapshot. It's infrastructure, not a decision-maker: Neumetria surfaces the state and executes the policy a lender defines, but never sets the policy or the outcome itself.
Use Cases
Query a borrower's current financial state (capacity, liquidity horizon, borrowing readiness) alongside bureau data as an additional underwriting signal in a LendAPI decision flow.
Route applications through readiness gates Neumetria returns (e.g. spend readiness, stay-quiet signals) as a pre-decision check before a LendAPI flow proceeds to a full credit decision.
Feed Neumetria's behavioral trajectory data (rhythm, drift, recovery velocity) into a client's own risk model as a supplementary variable, sitting alongside cash-flow and bureau-based scoring already in the flow.
Overview
Neumetria is a behavioral understanding layer that reads transaction streams and turns them into a current, per-person financial state — covering income rhythm, liquidity horizon, spending confidence, and borrowing readiness — rather than a static credit snapshot. It's infrastructure, not a decision-maker: Neumetria surfaces the state and executes the policy a lender defines, but never sets the policy or the outcome itself.
Use Cases
Query a borrower's current financial state (capacity, liquidity horizon, borrowing readiness) alongside bureau data as an additional underwriting signal in a LendAPI decision flow.
Route applications through readiness gates Neumetria returns (e.g. spend readiness, stay-quiet signals) as a pre-decision check before a LendAPI flow proceeds to a full credit decision.
Feed Neumetria's behavioral trajectory data (rhythm, drift, recovery velocity) into a client's own risk model as a supplementary variable, sitting alongside cash-flow and bureau-based scoring already in the flow.
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