From messy borrower documents to a scoreable credit file in 60 seconds.
CLNA is the AI agent that ingests bank statement PDFs, handwritten market ledgers, WhatsApp receipts, Pidgin voice notes, and IDs — and outputs a clean borrower file your underwriting team or decisioning engine can act on immediately.
- No credit-decisioning lock-in
- Mono open-banking integrated · Stitch / Smile / CRC on the roadmap
Three steps. No model lock-in.
Built specifically for lenders. Prompts engineered for market handwriting and Nigerian-language voice.
Ingest anything
PDFs, ledger photos, NEPA bills, WhatsApp screenshots, 60-second voice notes in Pidgin / Yoruba / Hausa / Igbo. Drop in the dashboard, hit our API, or forward by email.
- bank-stmt.pdf parsed
- ledger-wk47.jpg parsed
- voice-igbo.m4a parsed
- nin+selfie.pdf parsed
Reason across modalities
Detect ajo / esusu cycles, market-day spikes, ghost periods, layered deposits, salary-disguising, cross-document inconsistencies, ID tampering. Severity-ranked, never a black-box score.
Output a clean credit file
Structured JSON + signed human-readable PDF, scored confidence per fact. Push to any decisioning engine — Lendsqr Oraculi, Indicina Decide, your in-house webhook — or hand to a credit analyst with the full audit trail attached.
"signal_posture": "positive_with_reservations",
"confidence": 0.91,
"red_flags": ["layered_deposits"],
"avg_weekly_inflow_ngn": 541000The Nigerian-context moat
Generic OCR fails on Eke-market handwriting. Generic ASR misses Pidgin code-switching.
Reads the Onitsha, Aba, Kano, and Lagos market-ledger handwriting that generic OCR mangles
Transcribe English, Pidgin, Yoruba, Hausa, and Igbo — including the code-switching of real voice notes.
Sealed and hash-chained in Cloudflare R2. One-click pack export when the FCCPC demands records inside 48 hours.
Pay per borrower file. Naira-denominated.
Add-ons: FCCPC audit-pack export · custom extraction schemas · embedded API for fintechs.
- 500 borrower files / month
- 5 document types
- Email support
- Sandbox + 1 production key
- 5,000 borrower files / month
- All 14 document types + voice
- REST API + webhooks
- Mono open-banking included · more bureaus coming
- Priority Slack support
- Unlimited files
- Dedicated CSM + 99.9% SLA
- Portfolio-tuned extraction — roadmap
- On-prem / VPC deployment — roadmap
- NG data residency & region pinning — roadmap
Overage: ₦500–₦800 per file beyond plan limit. NGN via Paystack; USD invoicing available for cross-border lenders.
See CLNA on your own portfolio.
Send us 25 anonymised borrower bundles. We'll process them end-to-end and walk you through what we found — flags, confidences, missed signals — in a 30-minute call. No commitments.