Verde delivers automated decisioning, offer optimization, account-level monitoring, and digital origination, via APIs and SaaS, to leading FIs worldwide. $1.5T of underwriting experience. Reviewable, reg-compliant models. Human override where you need it. Deployment that fits the stack you already operate.
Three modular capabilities -- credit decisioning, portfolio monitoring, and origination. Each is available as REST API services and as Verde SaaS. See Platform & API for adoption paths and integration points, or combine API and SaaS where that fits your stack.
Verde Aurora
“Best yes” decisioning -- reviewable models and reason codes; API integration, SaaS, or both.
Learn more →Verde Allele
Loan-by-loan forecasts, ALLL, and action queues -- regulatory outputs as a byproduct of how you run the portfolio.
Learn more →Verde Corona
Highly automated digital origination -- capture, officer workflows, Aurora decisioning, booking and funding, and document repositories; SaaS or behind your firewall.
Learn more →Verde Aurora was built around problems every lending executive recognizes -- and that most risk models and decision systems still don't solve. Allele and Corona extend the same reviewable model discipline to portfolio monitoring and full origination.
Most decisioning is credit-risk centric. Reducing losses is necessary, but it's only one component of the economic outcome.
Verde estimates the size, timing, and probability of all material events (early payoff, delinquency, charge-off), projects expected monthly cash flows, and quantifies the economic impact at the transaction and relationship level -- so pricing and terms reflect revenue and expense, not just PD.
Most models and decision trees reject good borrowers to hit loss targets. They can't weigh thousands of factors simultaneously.
Verde models project default odds, dollar loss, repayment timing, and more -- using lender data, bureau files, credit histories, transactional data, and econometric trends in the customer's market. Risk, expense, and revenue are estimated together to reduce losses and accelerate growth.
Conventional systems say yes or no to a narrow menu of product terms with little support to find a better mutual outcome.
Verde's offer optimization engine identifies Pareto-efficient offers and counter-offers in seconds, with human override at every stage. The "best yes" satisfies profitability targets, bank policy, regulator requirements, and the expectations of customers, third-parties, and shareholders every time.
Origination decisioning, loan and line management, and loss forecasting are among the hardest use cases for today's AI. Regulators expect static, deterministic models that your credit, risk, and model-governance teams can fully reproduce, explain, and approve before production. This is a core Verde difference: fully explainable model structures, human-readable reason codes on every decision, the same inputs producing the same outputs after go-live, built to satisfy regulatory requirements worldwide.
Verde's methods and performance have been audited and validated with regulators in each market we serve, alongside the internal governance process each client institution runs. Our engagements are structured so your model documentation, validation reports, and approval records stay the system of record. When models change, versioning and re-approval follow your policy; nothing moves to production without your direction.
Inclusion and fair lending are built into decision workflows -- disparate-impact testing, reason codes, and policy-aligned adjustments where your markets require them. The same reviewable models that satisfy model risk teams support outreach to underserved geographies and segments without sacrificing portfolio quality.
Since founding in 2006, Verde has partnered with the World Bank and IFC, the IMF, the Inter-American Development Bank, and other multilateral and development finance institutions -- alongside central banks, NBFIs, and community lenders in markets that are often hard to reach.
We bring the same reviewable models and automation to inclusion-focused work as we do to large regionals, nationals, and multi-nationals (typically $1B+ in assets): credit access, portfolio quality, and institutions that can serve their economies for the long term. We help modernize decisioning and lending infrastructure without forcing a one-size-fits-all migration when API integration or modular SaaS is the better fit.
“There’s no one in the world that does what Verde does.”
Tell us about your institution, portfolio focus, and timeline.
A short note is enough to start.
We'll respond with how decisioning, monitoring, or origination would fit your stack -- and a practical path to get started.
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