Digital Credit Intelligence™
by
Lazron
Expands the ability to evaluate individuals as borrowers in addition to information typically found in credit bureaus.
About the Provider
Founded and headquartered in the United States, Lazron is a Digital Credit Intelligence™ platform built to close the gap between traditional credit bureau data and the financial realities of today's borrowers, including thin-file, gig economy, mobile-first, and cross-border consumers.
Solutions
Consumer Credit
About the Product
Examines liquid assets in real-time, behavior patterns for the past several months and natural strengths found within an individual's crypto wallet as well as through synthetic intelligence generated through AI to unearth those with less established credit.
By looking at real time liquidity, digital behavior, and AI-synthesized intelligence, Digital Credit Intelligence™ is able to provide lenders a complete and holistic view of any potential borrower's extended credit portfolio.
Designed to sit between fraud and compliance verification and final risk decisioning, Digital Credit Intelligence™ integrates directly into Grid's orchestration layer. Lenders can apply it during originations, account review, and prospecting to improve segmentation, reduce acquisition waste, and make faster, more confident credit decisions.
Product Insights in Grid
LAZRON-VERIFY-SUBSCORE-STABILITY
Measures consistency of wallet behavior over time — age, turnover regularity, and balance stability
LAZRON-VERIFY-SCORE-COMPOSITE
Raw composite score on a 0–100 scale before FICO conversion
LAZRON-VERIFY-SUBSCORE-DIVERSITY
Measures breadth of on-chain activity — number of chains, token types, and protocol interactions
LAZRON-VERIFY-RISK-FLAG-SCAM-CAPPED
Score is capped — 10% or more of transactions are classified as potential scams
LAZRON-VERIFY-RISK-FLAG-INACTIVE-YOUNG
Score is capped — wallet is either too young or has been inactive for an extended period
