demoyour own file or a public example

Close the Outcome Gap

Credit decisions from day zero, measurably better with every matured loan, on your own servers.

Day-Zero · before any outcome

A reviewable scorecard from your documentation and feature statistics: points, grades and reason codes before the first repayment.

zypl.Foundation · with matured outcomes

A labelled book goes in; ranked scores and ROC and PR curves come out. The model learns the book in context — no training run per product.

+2.1

Gini points at 100 matured loans

borrower records in pretraining

~50 ms

per application on a 16-thread CPU

Research results, not results of this demo: zypl labs paper under review and serving report v3.1. +2.1 is against TabICLv2 with eight members, ranking quality not calibration; ~50 ms is after a one-time portfolio encoding, at a 12,000-row context.

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demoyour own file or a public example

Close the Outcome Gap

+2.1

Gini points at 100 matured loans

~50 ms

per application on a 16-thread CPU

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