Intelligence That Moves
Finance Forward

Fullin.AI builds AI-native credit intelligence platforms that transform how financial institutions assess risk, detect fraud, and make decisions — at global scale, in real time.

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Enterprise Clients Worldwide
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Million+ Decisions Daily
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Data Sources Integrated
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% System Uptime
// PRODUCTS
AI-Native Credit
Intelligence Platform
Seven integrated product modules covering the full credit lifecycle — from origination to collection, powered by our proprietary decision engine and large language models.

FULLINK.AI Overseas Data Products

Indonesia, Mexico, the Philippines, Vietnam and Thailand: data for financial risk assessment and customer growth.

Map of overseas data products across five markets

Mexico

IMSS social security and Nómina payroll income verification; employment profiles, scoring and verification products are live.

Vietnam

Chip-level NFC KYC, national population database matching and liveness checks, with a differentiated risk blacklist.

Thailand

Localized remote-sensing risk signals from housing and area density; F1 improved from 57% to 84.2%. Anti-fraud scores are live.

Philippines

GCash / Maya wallet profiles with differentiated signals for actual income and spending capacity.

Indonesia · Established market

Live scoring (KS ≥ 0.35), verification and blacklists; 500+ multi-lending features, 99.9% match rate; IOH joint modeling across 8 dimensions and 2,244+ fields.

Distinctive Capabilities

  • Payment behavior across markets: 537 features and five risk bands, A–E.
  • Overseas acquisition: targeted marketing, lending marketplace referrals and OEM traffic.
  • Standard onboarding: samples, API integration, validation and staged launch in 1–2 weeks.

Deployment Results

  • An Indonesian fintech platform: 30% higher quality-customer identification and 15% lower overall bad debt.
  • A platform expanding into Mexico: income verification coverage grew from 30% to 95%, with millisecond responses.
  • A Thai lending marketplace: 40% higher high-risk interception and a marked decline in first-payment delinquency.
INSTITUTION SOLUTION

End-to-End SME Lending Solution

An illustrative financial institution connects acquisition, conversion, risk assessment and ongoing servicing, with the Predictive Model supporting decisions throughout.

Advertising AgentVoice AgentLingxi ShieldPredictive Model
Explore the collaboration case

Credit Intelligence

End-to-end credit risk management with real-time Risk BI, vintage analysis, scorecard modeling, and automated decision workflows. Supports BNPL, consumer loans, and SME credit products.

Risk BIScorecardVintagePD/LGD/EAD

Anti-Fraud Shield

Real-time fraud detection platform leveraging knowledge graphs, device fingerprinting, behavioral analytics, and geospatial intelligence. Sub-second risk scoring for every transaction.

Knowledge GraphDevice IDGeo-AnalyticsBehavioral ML

QiDun · Enterprise DD

AI-powered enterprise due diligence agent. Aggregates multi-source data — corporate registries, credit bureaus, tax filings, sanctions lists — to produce comprehensive risk profiles in minutes.

KYC/KYBSanctionsBeneficial OwnerMedia Screening

Intelligent Collection

IVR + TTS powered smart collection system with built-in compliance guardrails, dynamic script libraries, and consumer protection workflows. Transformer-based offline analytics optimize strategy without real-time AI cost.

IVR CallingComplianceScript AIConsumer Shield

Model Studio

Full ML lifecycle management — EDA, feature engineering, WOE/IV binning, model training, PMML deployment, SHAP explainability, and continuous model monitoring. Supports XGBoost, LightGBM, and custom ensembles.

EDAWOE BinningPMMLSHAP

Decision Engine

Visual drag-and-drop strategy canvas with version control, A/B experimentation framework, champion-challenger testing, and real-time rule execution. Deploy new credit policies in minutes, not weeks.

Strategy CanvasA/B TestingRule EnginePolicy Ops

Global Operator Data

Integrate overseas mobile network operator (MNO) data for alternative credit assessment. Enrich thin-file and underbanked profiles with telecom behavioral signals across 50+ emerging markets.

MNO IntegrationDevice IntelMobility GraphThin-File Credit

AI Model Resources

Personal membership accounts and API / Token services for leading AI models, supporting direct use and business applications.

Personal membershipsAPI servicesToken access
// PROVEN AT SCALE
Performance Benchmarks
Battle-tested across millions of transactions daily — our systems deliver mission-critical accuracy, speed, and reliability.
97.2%
Fraud Detection Accuracy
F1 Score 0.961 · Recall 95.1%
<15s
Enterprise DD Report
vs. Traditional 3–5 Days
<50ms
Real-Time Decision P99
Sub-second risk scoring engine
$286M+
Fraud Intercepted Annually
8,724 transactions blocked daily
60K+
Customers Under Management
Across 6 product categories
96%
Risk Identification Rate
360° enterprise assessment
// SOLUTIONS
Built for the Entire
Credit Ecosystem
From retail lending to supply chain finance, our solutions adapt to your business model — with pre-built connectors, configurable rules, and rapid deployment.

Retail Credit

Full-cycle automation for personal loans, credit cards, and BNPL — from application scoring through portfolio monitoring.

Application ScoringBehavioral ModelsCollection Strategy

Supply Chain Finance

End-to-end credit risk assessment for supply chain participants with real-time monitoring of receivables, payables, and transaction flows.

Receivables FinanceInvoice VerificationChain Health

SME Lending

Alternative data-driven credit assessment for small and micro enterprises — combining transaction data, tax records, and operational signals.

Alt Data ScoringCashflow AnalysisOwner KYC

Fraud Defense Network

Cross-institution fraud intelligence sharing with privacy-preserving computation — detect syndicated attacks before they hit your portfolio.

Syndicate DetectionDevice GraphFederated ML

Regulatory Compliance

Automated compliance screening against global sanctions, PEP, and adverse media lists. Integrated reporting for regulatory audits.

Sanctions ScreeningAML/KYCAudit Trail

Portfolio Intelligence

Real-time portfolio monitoring with vintage analysis, concentration risk alerts, stress testing, and macroeconomic scenario simulation.

Vintage TrackingStress TestEarly Warning
// HOW IT WORKS
From Raw Data to
Intelligent Decisions
Four stages. Zero friction. Our platform turns fragmented data into actionable risk intelligence in real time.
1

Connect & Integrate

Connect credit bureau, corporate, operator, transaction and multimodal data through a unified API. Align entities, sources and timestamps.

2

Fuse Evidence & Predict

Collaborating agents process information and select key signals. The Predictive Model fuses high-quality evidence to assess risk and business outcomes while retaining source traceability.

3

Decide & Execute

The Predictive Model supports creative, audience, contact and risk strategies. The decision engine turns approved strategies into underwriting, fraud interception, credit allocation and task routing.

4

Monitor & Optimize

Track model stability, strategy performance and business feedback. Return advertising, conversation, conversion and repayment outcomes to refresh profiles, evidence and future decisions.

// TECHNOLOGY
The Fullin.AI
Decision Stack
Four-layer architecture engineered for high-throughput, low-latency decision-making at global scale.
Applications
📊
Risk BI
Real-time dashboards
🛡️
Anti-Fraud
Fraud scoring engine
📋
Origination
Loan application flow
📞
Collection
Smart outreach
🔍
Due Diligence
Enterprise KYC/KYB
AI Models
🧠
Decision LLM
Dual-base large model
🧠
Predictive Model
Evidence fusion & decision support
🌲
XGBoost / LGBM
Gradient boosting
🕸️
Knowledge Graph
Entity resolution
📈
Scorecard Engine
PMML / WOE / IV
Data Layer
🆔
Identity Verification
ID document & biometric
📊
Credit Bureau
Multi-bureau integration
🏛️
Corporate Registry
Global entity data
💳
Transaction Stream
Real-time payment data
📡
Operator Data
MNO & telco signals
Infrastructure
☁️
Cloud Native
Kubernetes / Docker
⚡
Decision Engine
Sub-10ms rule exec
🔐
Privacy Compute
Federated learning
🔗
API Gateway
200+ REST endpoints
// AI AGENT MODULES
12 Intelligent Agents.
One Unified Credit Platform.
Click any agent card to explore its business workflow and capabilities.
📊

Risk BI Dashboard

BI VisualizationReal-TimeAlert
▼
// RISK INTELLIGENCE DASHBOARD

Real-time risk business intelligence dashboard integrating full-chain credit data, providing drill-through monitoring from macro asset quality to micro individual transactions.

  • Multi-Dimensional Dashboard — Configurable real-time metrics for asset quality, delinquency migration, FPD/SPD
  • AI-Powered Alerts — Prophet + LSTM time-series anomaly detection, auto-identifying risk shifts
  • Drill-Through Traceability — One-click drill-down from portfolio-level metrics to channel/product/strategy dimensions
  • Automated Reporting — Daily/weekly/monthly auto-generated reports, multi-format export
Data IngestionReal-Time Warehouse & FEFlink / ClickHouse / RedisAI Anomaly DetectionProphet + LSTM + Isolation ForestRisk Dashboard & VisualizationGrafana / Superset / In-House BIAlert & Report Output
📋

Loan Origination

Credit ApprovalAutomationWorkflow
▼
// LOAN ORIGINATION SYSTEM

End-to-end intelligent loan origination system covering application, document collection, automated approval, and manual review. Integrated with OCR, NLP, and automated decision engine.

  • Smart Forms — Dynamic form engine auto-adapting fields by product/channel
  • OCR Document Recognition — Auto-extraction from ID cards, business licenses, bank statements
  • 3-Tier Approval — Auto-decision → Manual Review → Final Approval workflow
  • DD Integration — Seamless connection to credit bureau, anti-fraud, E-KYC services
Application SubmittedOCR Data Capture & ParseID / Bank Stmt / Biz LicenseExternal Verification CallAuto Approve?✓ApproveDisburse & Contract✗Reject
🎨

Strategy Canvas

Visual OrchestrationDecision FlowNo-Code
▼
// STRATEGY ORCHESTRATION CANVAS

Drag-and-drop strategy orchestration canvas enabling risk analysts to design, test, and deploy complex decision flows without writing code. 40+ pre-built node types.

  • Drag-and-Drop — 40+ node types: rules, models, scorecards, external API calls
  • Live Preview — Instant decision preview with WYSIWYG strategy modification
  • Version Control — Git-style strategy versioning and rollback with diff comparison
  • Canary Release — Gradual rollout by channel/product/traffic percentage, reducing launch risk
Strategy Entry TriggerAdmission RulesAge/Region/BlacklistScorecard/ML Model CallA-Card / B-Card / F-CardCredit Limit / PricingRisk-Based Pricing EngineDecision Output
⚙️

Rule Engine

Rule ManagementDroolsHot Deploy
▼
// RULE ENGINE

High-performance rule engine supporting both Drools syntax and visual rule configuration. Hot-loading rules, millisecond execution, handling billions of daily rule invocations.

  • Dual-Mode Editing — Visual form configuration + Drools DRL code editor
  • Sub-ms Execution — Rete algorithm optimized rule matching, P99 latency <5ms
  • Hot Deployment — Rule changes take effect in seconds, no service restart
  • Rule Analytics — Hit-rate statistics, redundancy detection, conflict analysis, coverage reports
Rule Edit / ImportRule Compile & ValidateDRL → Rete Network CompilationRule BaseVersioning / Access ControlRete Inference EngineFact Insert → Pattern Match → Agenda → ExecuteRule Execution Result
📈

Scorecard System

WOE/IVPMMLA/B/C Cards
▼
// CREDIT SCORECARD SYSTEM

Full lifecycle credit scorecard management supporting A-card (application), B-card (behavior), and C-card (collection) modeling, deployment, and monitoring.

  • Auto Binning — Equal-frequency/equal-width/chi-square/decision tree strategies, optimal binning recommendation
  • WOE/IV Analysis — Variable predictive power quantification, IV ranking and monotonicity checks
  • Score Scaling — Standard scorecard scaling (PDO/odds/base), PMML/JSON dual-format export
  • PSI Monitoring — Real-time model stability tracking, variable drift auto-alert
Sample Data PrepWOE Auto BinningEqual-Freq / Chi-Sq / OptimalIV Selection & Variable FilterLogistic RegressionStepwise / L1/L2 RegularizationPMML ScorecardStandard Deployment & PSI Monitor
🧠

ML Model Engine

XGBoostDeep LearningAutoML
▼
// MACHINE LEARNING ENGINE

Enterprise-grade ML platform supporting XGBoost, LightGBM, TabNet, and other mainstream algorithms. Fully automated pipeline from feature engineering → training → evaluation → deployment.

  • Multi-Algorithm — XGBoost/LGBM/CatBoost/TabNet/DeepFM/NN rich algorithm library
  • AutoML Pipeline — Auto feature selection, hyperparameter optimization (Optuna/Hyperopt), model ensembles
  • Model Evaluation — KS/AUC/PSI/Lift Curve multi-dimensional reports, A/B test comparison
  • One-Click Deploy — Auto API packaging, online/offline dual-mode serving
Data Input & LabelingAuto Feature EngineeringDerive / Encode / Filter / CrossAutoML Model TrainingOptuna HP Search + Multi-Model EnsembleModel Eval & Best SelectionModel Deployment & APIMLflow Model Registry
🧪

A/B Experiment Lab

A/B TestingChampion-ChallengerExperiment
▼
// STRATEGY EXPERIMENTATION LAB

Strategy experimentation and A/B testing platform supporting champion-challenger strategy comparison. Built-in traffic splitting, significance testing, and experiment reporting.

  • Champion-Challenger — Multi-strategy parallel comparison, auto statistics for core metrics
  • Traffic Splitting — Flexible allocation by ratio/channel/segment
  • Significance Testing — T-test/Chi-square/Bayesian analysis, auto confidence assessment
  • Experiment Reports — Real-time monitoring dashboard, auto push experiment conclusions
Create ExperimentTraffic Split & SegmentBy Ratio / Channel / FeatureControl Group ALive StrategyTest Group BChallenger StrategyMetrics & Significance TestT-Test / Chi-Sq / BayesianConclusion & Decision
🔌

API Gateway

RESTful200+ EndpointsOpen Platform
▼
// API GATEWAY & OPEN PLATFORM

Unified API gateway and open platform providing 200+ standardized RESTful interfaces covering credit inquiry, fraud detection, scorecard calls, and decision output across all scenarios.

  • Standardized APIs — 200+ RESTful endpoints, unified JSON Schema, Swagger auto-documentation
  • Auth & Security — API Key / OAuth2.0 / mTLS multi-layer security
  • Traffic Governance — Tiered rate limiting, circuit breaking, canary routing for core stability
  • Monitoring & Alerting — Real-time QPS/latency/error rate monitoring, auto-scaling policies
API Client RequestUnified GatewayAuth / Rate Limit / Route / LogService Orchestration & ProtocolHTTP/gRPC/Message Queue AdapterCredit BureauModel ServiceUnified Response
🆔

E-KYC Verification

Face RecognitionLivenessOCR
▼
// ELECTRONIC KNOW YOUR CUSTOMER

Remote electronic identity verification system integrating document OCR, liveness detection, face matching, and cross-validation with government/credit bureau databases. Meets regulatory compliance requirements.

  • Document OCR — Supports 200+ national ID/passport/driver's license auto-recognition
  • Liveness Detection — Silent + action-based dual-mode, anti-photo/video/mask attack
  • 1:1 Face Matching — ID photo vs. live photo comparison, FAR <0.001%
  • Multi-Source Validation — Cross-check with government/credit bureau/telecom databases
User Submits ID DocOCR Data ExtractionName/ID No./Address Structuring3-Element Verification (Gov/CB/Telco)Liveness + Face MatchKYC Verification ResultPass / Manual Review / Reject
📝

E-Consent Management

ComplianceE-SignaturePrivacy
▼
// ELECTRONIC AUTHORIZATION & CONSENT

Electronic authorization and personal data collection consent management module ensuring lawful consent for credit inquiries and data collection. Meets GDPR/PDPA and other privacy regulations.

  • E-Signature — Handwritten signature/CA digital certificate/SMS verification multi-channel signing
  • Template Management — Multi-jurisdiction consent templates, multi-language, compliance-reviewed
  • Authorization Trail — Full-chain audit: who, when, what purpose, which data accessed
  • Withdrawal Management — Online consent withdrawal with automatic data access termination
Initiate Consent RequestConsent Template MatchingAuto-match by product/region/data typeUser Sign (Signature/CA/SMS)Archive & Data Access EnableBlockchain Notarization / Lifecycle Mgmt
📦

Batch Import Engine

Batch ProcessingETLFile Parsing
▼
// BATCH DATA IMPORT & PROCESSING

Large-scale batch data import and processing engine supporting CSV/Excel/JSON/XML and other formats. Intelligent sharding with parallel processing, handling millions of records daily.

  • Multi-Format — CSV/Excel/JSON/XML/Parquet auto-detection and parsing
  • Smart Validation — Field type, business rule, and duplicate detection 3-step QC
  • Parallel Processing — Data sharding + multi-worker parallel, million records in hours
  • Progress Tracking — Real-time progress bar, exception detail export, auto-generated reports
File Upload / API ImportFormat Parse & Field MappingAuto-Detect / Schema ValidateData ValidationFormat / Biz Rules✗ErrorError Report Export✓PassParallel Shard ProcessingMulti-Worker ParallelResult Aggregation Output
📄

Report Center

Auto ReportsPDF ExportRegulatory
▼
// AUTOMATED REPORTING CENTER

Intelligent report center covering regulatory filings, internal management, and client reports. Multi-template engine, auto data population, multi-format export, and scheduled delivery.

  • Multi-Template Engine — JasperReports/in-house engine, drag-and-drop template designer
  • Auto Data Fill — Automatic extraction from data warehouse, no manual compilation
  • Scheduled Dispatch — Cron-based: daily/weekly/monthly/quarterly auto-generation and push
  • Regulatory Reporting — PBOC credit/regulatory filings one-click generation
Select Report / TemplateAuto Data Collection & AggregationReal-time pull from DWH / APIAI Analysis & Anomaly FlagMulti-Format Export & Scheduled PushPDF/Excel/HTML + Email/WeCom
// GLOBAL DATA NETWORK
Data Coverage That
Spans the Globe
Connected to 200+ data sources across 50+ countries — powering credit decisions wherever your customers are.
🌏
50+
Countries Covered
Asia Pacific, MEA, LATAM, Europe
🏢
200M+
Enterprise Profiles
Corporate registries & credit records
📡
50+
MNO Partnerships
Direct telecom data integrations
🔗
200+
Data Connectors
Pre-built API integrations
🌏 Asia Pacific 🌍 Middle East & Africa 🌎 Latin America 🌐 Southeast Asia 🏛️ Global Sanctions 💳 Multi-Bureau Credit 📋 Corporate Registries 📱 Telecom Operators
// ABOUT US
Engineering the Future
of Financial Intelligence

We believe credit should be intelligent, instant, and inclusive.

Founded in Hangzhou, China in 2017, Fullin.AI has grown into a leading provider of AI-native credit decision infrastructure. Our platforms process millions of credit decisions daily, serving financial institutions across Asia Pacific and beyond — from digital banks to multinational lenders.

Our dual-base decision large language model — combining deep credit domain knowledge with cutting-edge transformer architectures — powers everything from automated underwriting to intelligent collection strategies. We don't just analyze risk; we orchestrate decisions.

With a world-class team of data scientists, risk professionals, and software engineers spanning Hangzhou, Hong Kong, and Singapore, we bridge the gap between advanced AI research and production-grade financial infrastructure.

Service Hotline 0571-56131386
Online: 9:00-18:00 (Working Days)
Headquarters Address 18F, Huaye Building, No.511 Jianye Road, Changhe Street, Binjiang District, Hangzhou, Zhejiang, China
Email bd@fulintechfin.com
WeChat Official Account Scan to follow Fullin.AI on WeChat
Fullin.AI WeChat Official Account QR Code
Hangzhou, Zhejiang, China View in Google Maps
2017
Founded in Hangzhou
Established in Hangzhou, Zhejiang as an AI-native fintech infrastructure company.
2018
First-Gen Decision Engine
Launched proprietary rule engine and visual strategy canvas, serving first banking clients in China.
2019
Decision Engine v1.0
Released production-grade decision engine powering automated credit underwriting for banks across Greater China.
2020
Anti-Fraud Shield Launch
Deployed multi-layer fraud detection platform with knowledge graph and device fingerprinting technology.
2021
Global Expansion Begins
Expanded to serve international markets with multi-language support and regional data partnerships across Southeast Asia.
2022
QiDun Enterprise DD Launch
Released AI-powered enterprise due diligence agent — 15-second automated risk reports across 50+ countries.
2023
AI-Native Architecture Overhaul
Migrated entire platform to AI-native architecture. Launched Dual-Base Decision LLM prototype with transformer-based credit reasoning.
2024
Decision LLM Production Release
Production deployment of dual-base decision large model — redefining credit intelligence with SHAP-explainable AI. Introduced AutoML Model Studio with XGBoost/LightGBM/TabNet ensembles.
2025
Hong Kong & Singapore Expansion
Established branch offices in Hong Kong SAR and Singapore. Launched Global Operator Data network connecting 50+ MNO partners across emerging markets.
2026
AI Agent Ecosystem
12-agent architecture for end-to-end credit lifecycle automation at global scale. Serving 150+ enterprise clients processing 50M+ decisions daily.
// GET STARTED
Ready to Transform
Your Credit Infrastructure?

Join the leading financial institutions that trust Fullin.AI for their most critical credit decisions. From our Hangzhou headquarters to your operations worldwide.

Request a Demo