TerraLink / Solutions / TerraCore ScoreTerraCore Score · AI-enabled smart scoring as a service

Decisions for thin-file customers, explained.

Most Ethiopians have no credit file. They do have a wallet history. TerraCore Score turns that — and the signals your institution already holds — into a decision your credit committee can read and defend.

Score request · MurabahaTerraCore Score

742OF 1000 · BAND B

Recommended limitETB 45,000 · 12 monthsInstalment ETB 4,120 · affordability 23% of inflows

Reasons shown to the officer and, in plain Amharic, to the customer142 ms · consent ref C-2026-08-31

Built on wallet behaviour

Inflow regularity, bill and merchant payments, airtime patterns, agent cash-in/out, instalment history — the signals TerraCore IF and your wallet already generate, plus what you choose to add.

Every score comes with its reasons

No black box. Each decision lists the signals that moved it, so credit officers can override with a record and customers can hear why — in Amharic, Afaan Oromo, Somali or English.

Governed like a bank asset

Consent captured in the wallet, data held in Ethiopia, models versioned and back-tested, fairness checks across region and gender, a human decision on every decline. Aligned with Ethiopia's personal data protection framework and NBE consumer-protection expectations.

A service, not a project

One API call from your core, wallet or loan-origination system. Priced per score or as a monthly subscription; models retrained on your portfolio as it grows. Runs interest-free and conventional books alike.

TerraCore IFMurabaha & Qard Hasan limitsEligibility, limit and tenor for financing inside the wallet — the Shariah contract stays unchanged; only the decision gets smarter.

Financial SolutionsDigital credit & instalmentsOrigination scoring for conventional lending, device financing and merchant working capital.

Agency bankingAgent float & merchant limitsDynamic float ceilings and merchant advances from transaction cadence and settlement history.

Risk operationsEarly-warning & anomaly flagsRepayment-risk drift and unusual cash-out patterns surfaced to your collections and compliance teams.

Score your first portfolio.

Bring a sample book — we return scored decisions with their reasons, under NDA.