Embedded Lending
Real-time BNPL, merchant risk and fraud at the point of sale.
§ 01Summary
The credit + risk layer for embedded finance, embedded lending and point-of-sale lending. Generates BNPL offers in-flight at checkout, scores merchant risk continuously, flags fraud in microtransactions, and tunes installment structures to conversion — all inside a single decision call.
§ 02Capabilities
What it does out of the box.
- Real-time BNPL offer generation at checkout
- Merchant risk scoring, refreshed per transaction
- Fraud detection in microtransactions
- Installment optimization (tenor, amount, holdback)
- Sub-500ms decision latency including adapter hot-swap
§ 03I / O Contract
What you send, what you get back.
Field-level schemas and versioning available under NDA.
Inputs
- Buyer + merchant entity signals
- Cart / transaction context (amount, category, SKUs)
- Device + session fraud signal
- Optional: host platform history
Outputs
- decision (approve/decline/refer)
- bnpl_offer {installments, rate, fee}
- merchant_risk_score (0–100)
- fraud_score + reason_codes[]
// SAMPLE REQUEST
{
"buyer": {
"id": "b_...",
"tenure_days": 412
},
"merchant": {
"id": "m_...",
"mcc": "5411",
"gmv_90d": 218000
},
"transaction": {
"amount": 148.9,
"currency": "USD",
"cart_items": 6
},
"device": {
"fingerprint": "d_...",
"is_new_device": false
}
}// SAMPLE RESPONSE
{
"decision": "approve",
"bnpl_offer": {
"installments": 4,
"cadence_days": 14,
"rate_apr": 0,
"fee_flat": 0
},
"merchant_risk_score": 82,
"fraud_score": 0.03,
"reason_codes": [
"low_fraud_signal",
"healthy_merchant_gmv"
]
}§ 04Use Cases
Where partners are deploying it.
- Marketplaces enabling 4-installment BNPL at checkout
- Vertical SaaS with an embedded-finance take rate
- POS acquirers scoring merchant + transaction risk in one call
- Micropayment platforms detecting mule + card-testing rings
// WHEN YOU'RE READY
Single-adapter licence unlocks Embedded Lending for one product. Vertical bundles and full-portfolio access are documented on the Partners page.