Aikya
Leverage the Velocity Check API, built with the Account Aggregator ecosystem, to identify high-risk borrowing patterns securely — powered by Confidential Computing for data-in-use protection.
Account Aggregator Ecosystem
Ingests consented financial data through India's AA network — nothing accessed without explicit consent.
Velocity Check API
Flags high-risk borrowing velocity and repayment patterns for underwriting teams.
Confidential Computing
Computation happens inside a hardware-isolated enclave — data stays encrypted even while in use.
How It Works
From consent to a risk score, in four steps
Consent
The borrower grants purpose-bound consent through the Account Aggregator framework.
Fetch Data
Financial data streams in through the AA network, encrypted end-to-end.
Compute In Enclave
The Velocity Check API runs inside a confidential-computing enclave on the encrypted data.
Return Score
Only the risk score returns to the lender — raw statements never leave the enclave.
Where It's Used
Anywhere a lender needs to see risk, not raw bank statements
Thin-File & New-to-Credit Lending
Score borrowers with little to no bureau history using alternative signals.
Early Warning on Existing Loans
Detect rising repayment risk before a loan turns delinquent.
Multi-Lender Risk Checks
Flag risky borrowing velocity across multiple concurrent loan applications.