Credit that adapts.

Customers expect instant decisions, personalised limits, and seamless digital experiences. But most issuers still rely on fragmented systems with separate vendors for origination, servicing, processing, and collections.

Every handoff creates delays and reconciliation errors. Every integration point becomes a blind spot that limits speed and scale.

Then, there's Thredd.

We've built a unified, AI-powered platform that connects credit intelligence with payment infrastructure. From origination to repayment, everything runs on a single ledger that adapts with every transaction. 

  • Launch adaptive credit programs in under 120 days.  

  • Power any product — secured, revolving, BNPL, or commercial. 

  • Get transaction-aware decisioning, built-in compliance, and global scalability without compromise. 

This isn't just credit processing. It’s intelligent credit infrastructure. 

→ See how it works.

The complete credit lifecycle on one platform.

Origination.

Design and deploy credit programs fast using configurable templates and pre-integrated bureau, KYC, and open-banking connections.

Decisioning.

AI models learn from transactions, not just applications. Our engine adapts credit limits, pricing, and risk scoring as behaviour evolves — enabling smarter approvals and reduced losses.

Servicing & Collections.

Automate account management, billing, and collections with audit-ready workflows and dynamic spending controls.

Unified Ledger.

Track every transaction, limit, and adjustment for a single, trusted system of record. No vendor sprawl. No manual sync work. One source of truth linking credit and payments.

Credit built for every market and model.


Flexible credit constructs.
Support revolving, instalment, secured, BNPL, or charge products. From consumer credit cards to commercial lines, Thredd handles the full spectrum on one configurable platform.

Transaction-level intelligence.
We don’t approve credit once and apply static rules. Thredd adapts with every transaction, refining limits, pricing, and risk controls in real time.


Embedded experiences.
Enable contextual credit inside digital wallets, consumer platforms, and business tools. Make credit feel natural within the user journey — not as a separate application process.

Launch faster. Operate smarter. Stay in control.

  1. 1
    Speed to market.

    Clients go live in under 90 days — 68% faster than traditional processors.

  2. 2
    Operational efficiency.

    Automate decisioning, servicing, and collections to reduce manual effort and accelerate approvals.

  3. 3
    Transaction-level flexibility.

    Set rates, limits, and deferments dynamically per transaction. Optimise margins with every swipe.

  4. 4
    Built-in compliance.

    Built-in guardrails monitor activity and enforce regulatory standards including KYC, OFAC, Reg Z, and TILA.

The Thredd advantage.

  • SIngle platform connecting origination, servicing, and collections — eliminating vendor sprawl and reconciliation headaches. 

  • AI-driven decisioning that adapts throughout the customer lifecycle, not just at approval. 

  • Transaction-aware processing that turns every purchase into an opportunity to optimise credit performance. 

  • Proven delivery with clients launching in under 90 days. 

  • Multi-market readiness with partner integrations and scheme certifications across major global networks. 



Let’s drive credit innovation together.

Whether you're launching your first credit product or scaling a multi-market portfolio, we're here to help you move fast, scale smart, and deliver standout experiences.

Request a demo.