Direct inter‑bank credit data exchange

Move from slow, expensive CRA intermediaries to real‑time, peer‑to‑peer exchange—governed by privacy and policy controls.

Direct credit data exchange: Green Bank and Red Bank send credit files anonymously and with consent to Blue Bank for its credit decisioning

Seiza matches shared customers using ZKP + fuzzy matching. Once matched, institutions exchange credit data signals directly under bilateral policies—reducing cost and latency while improving explainability.