Digital Credit Intelligence™

LazrOn operates through two core components:

• A Digital Asset Profile that captures a borrower’s holdings and activity across tokenized assets

• A proprietary credit score aligned to traditional scoring ranges, translating digital behavior into a format that fits existing underwriting strategies

Key Capabilities

• Expand underwriting coverage - Evaluate borrowers who fall outside traditional bureau visibility using verified digital asset data (on and off-chain)

• Integrate into existing workflows - Scoring outputs align with traditional credit frameworks and fit directly into current decision policies

• Enable risk-aware decisioning - Built-in scam detection, blacklist screening, and explainable reason codes support compliant and transparent outcomes

• Deliver real-time credit intelligence - Access decision-ready insights instantly through Grid’s orchestration layer across originations, account review, prospecting and collections

Available Data in Grid

• Digital Asset Profile - A real-time view of a borrower’s tokenized financial activity, including multi-chain holdings, multi-fiat valuations, and classified transaction history, with integrated fraud and risk signals

• LazrOn Credit Intelligence Score - A standardized credit score aligned to traditional scoring ranges, with explainable subscores, risk flags and decision reason codes designed to extend credit policy to otherwise unscorable borrowers.