Zeeh gives US banks, lenders and fintechs one API that pairs open banking with AI — confirming identity and turning a newcomer's foreign bureau data, live bank transactions and alternative signals into an FCRA-aligned credit decision, without years of US credit history.
When someone moves countries, their credit history stays behind — so lenders reject customers they should approve. Zeeh reconnects that history: identity, cross-border credit and cash-flow data, unified into one decision your risk team can trust.
Two engines power every Zeeh decision — live financial data straight from the source, read and standardized by models trained for global credit risk.
Zeeh's models translate a person's history from any country — bureau files, statements, mobile money — into one standardized, explainable credit profile, and flag fraud and anomalies as they go.
Customers securely connect their accounts and permission their data. Zeeh reads live transactions across 145+ markets to verify real income and cash flow — no paperwork, no guesswork.
Identity, cross-border credit and live open-banking cash flow — read by AI and unified into one decision, from a single Zeeh API, in any market.
Document capture, liveness, biometric match and global watchlist screening — orchestrated into a single decision. Onboard a customer in Lagos, São Paulo or Jakarta with the same call.
A newcomer's bureau file from back home, mobile-money trails, alternative signals — Zeeh's AI pulls them in and translates them in real time into a standardized credit profile your team can score like any local applicant.
Customers connect their accounts through open banking; Zeeh's AI reads live transactions to confirm income and affordability, then streams approvals, fraud and portfolio risk across every market — from one dashboard.
A single API call ingests documents, biometrics, bank data and alternative signals from any market.
AI resolves messy local formats and live open-banking data into one verified, structured identity and credit schema.
Risk models return a real-time, explainable decision — with full audit trail and confidence scoring.
Zeeh connects each market's credit bureaus, identity sources and bank-data networks — and translates them all into one decision your risk team reads the same way, everywhere.
Drop the Zeeh SDK into any stack and ship global verification in an afternoon. Idempotent, fully typed, and built for institutional scale with regional data residency.
// One call. Identity + credit, anywhere. const result = await zeeh.verify({ country: "NG", identity: { type: "passport", image }, credit: { source: "bank_statement", file }, checks: ["liveness", "sanctions", "affordability"] }); // → { decision: "approved", score: 0.96, // risk_band: "A−", latency_ms: 372 }
Book a 30-minute demo and we'll show you how Zeeh expands approvals across borders with AI and open banking — without adding risk. Prefer to talk it through first? Our team is one email away.