How AltFiScore works
From API request to compliant decision in under 500 milliseconds.
Four stages. One JSON contract. Designed for the production constraints regulated lenders actually face.
Ingest — Every authorized signal, on demand.
Your application sends an API request with the consumer's identity and the transaction details. AltFiScore retrieves the data sources you have configured — Plaid for cash flow, Argyle for employment, ATTOM for property, RentTrack for rent reporting — in parallel, fresh, every time.
- Real-time integrations with the major alternative data providers
- Configurable per-tenant source mix — only what your product needs
- Graceful degradation when a data source is unavailable
Score — Decisions calibrated to your product and your tolerance.
Our decisioning engine evaluates the consumer's profile against the policy you have configured. Federal compliance rules — TILA caps, FHA minimums, MLA limits, QM ratios — are enforced automatically. Your policy thresholds layer on top.
- Sub-500ms decisions at production p99 latency
- Per-product policies you control in the lender portal
- Federal regulatory ceilings enforced at the engine level
Decide — A decision your compliance team can defend.
Approved, declined, or referred — every decision returns with the artifacts a regulated lender needs: ECOA-compliant adverse action codes, TILA Truth-in-Lending disclosures, recommended pricing, and full audit trails versioned for examination.
- FCRA-compliant adverse action codes on every decline
- TILA disclosures generated automatically for approvals
- Audit-ready trails: every decision is reproducible
Deliver — Return value that fits your stack.
Your application receives a structured JSON response containing the decision, recommended terms, compliance artifacts, and any required consumer-action URLs for KYC continuation. Drop it into your existing checkout, origination, or LOS workflow.
- JSON-first API designed to slot into existing systems
- Webhook delivery for asynchronous completions (coming Q3 2026)
- Idempotency keys so retries are always safe
Integration posture
Engineered to slot into existing lender infrastructure.
AltFiScore is API-first and stack-agnostic. We do not require you to rebuild around us — we plug into the LOS, checkout, and origination systems you already operate.
One API for every product
Add new lending products without rebuilding your integration. BNPL today, auto loans next quarter — same authentication, same idempotency, same compliance posture.
Policy in the portal, not in code
Your underwriting team configures rate bands, score floors, and approval logic in the lender portal — no engineering rebuild needed when policy changes.
Full observability
Every API call, every decision, every parity check is visible in the lender portal. Compliance and engineering see the same source of truth.
Sandbox by default
Every tenant gets an isolated sandbox with pre-seeded test consumers. Your engineers ship integrations against realistic data without risking production traffic.
Time to live
From handshake to first production decision in weeks, not quarters.
A typical AltFiScore integration follows three milestones: sandbox access on day one, end-to-end testing in week one, production go-live in week four. Your team integrates against the same API shape from sandbox through launch.
- 1
Day 1
Sandbox tenant provisioned. API key in hand. Test consumers ready.
- 2
Week 1
First sandbox decision returned. Integration code reviewed.
- 3
Week 2-3
End-to-end testing across approve / decline / referred paths.
- 4
Week 4
Production key issued. Live traffic begins. Compliance team has full audit visibility.
Ready to see the pipeline run?
Try the live BNPL demo. Watch all four stages execute against the real engine.