The Product
A credit brain for lenders, built on data borrowers already generate
Mobile top-ups, utility payments, and location check-ins are financial signals bureaus cannot see. Supersymm reads them and returns a score your LOS can use.
Signal Inputs
What the engine reads
Five behavioral signal categories, each predictive of repayment discipline where bureau data is thin or absent.
Mobile Recharge Activity
Prepaid top-up frequency, timing, and spend consistency. Reliable monthly top-ups can signal predictability without a bank account.
Utility Payment Regularity
Electricity and water payment timing, including due-date relation and consistency over a 90-day rolling window. This discipline closely tracks loan repayment behavior.
Geolocation Stability
Home and work location stability from app-permissioned coordinates. Residential stability strongly predicts commitment to ongoing obligations.
Peer Transfer Cadence
Frequency and regularity of mobile money transfers to family, landlords, and providers. Consistent P2P payments indicate active financial management.
App Engagement Patterns
Session regularity and financial app use for mobile-first lender partners. Consistent use of financial tools correlates with financial awareness.
Behavioral Consistency Index
Composite score for regularity across these signals over a 90-day window. High consistency correlates with low default probability in early-access pilot data.
Score Output
What your LOS receives
Every Supersymm API response includes four components:
- Numeric score: 0 to 1000, calibrated to early-access pilot default rates
- Confidence band: Low, Medium, High, based on signal depth and recency
- Top contributing signals: the three signals with the highest relative weight in this borrower's score
- Data freshness flag: age of the underlying signals, in days
Median 800ms, within a bureau pull's sync window. Add it to your decision flow without changing underwriting logic.
{
"borrower_id": "bwr_4a9c21ef",
"score": 764,
"confidence_band": "high",
"top_signals": [
{
"signal": "mobile_recharge_consistency",
"weight": 0.34
},
{
"signal": "utility_payment_regularity",
"weight": 0.28
},
{
"signal": "geolocation_stability",
"weight": 0.21
}
],
"data_freshness_days": 4,
"scored_at": "2026-07-10T14:22:05Z"
}Integration
Three ways to connect
REST API
Single POST endpoint. Send borrower IDs and permissioned signal data, then get a score in the same sync response. JSON in, JSON out. Works with any LOS making an HTTP request.
Sandbox Environment
Pre-loaded with synthetic borrower profiles covering varied signal strengths. Test the integration and set score thresholds before using real applicant data.
Webhook Notifications
Async callback when batch scoring completes. POST results directly to your system endpoint. Useful for high-volume pre-screening that does not need inline responses.
Start with the free Pilot tier. 500 scores per month, no commitment.
Get sandbox access today and test your borrower profiles before choosing a paid plan.