Credit information & solvency scoring
Every lender guesses at risk.
Very few can prove it with data.
Solventia digitizes the full credit-bureau cycle — from data contribution to solvency scoring — so banks, leasing companies, insurers, and microfinance institutions can lend with confidence and widen access to finance.
The reality
Lenders still decide on incomplete information.
Without a shared registry, the same borrower can be over-indebted across five institutions and nobody notices until the first default. A credit bureau closes that gap — for every lender that contributes to it.
Built for a multi-sector data network
One shared registry, six contributing sectors.
The more sectors that contribute, the sharper the picture of a borrower's true creditworthiness. Solventia is built to onboard any regulated data contributor, not just banks.
Banking
Loan and credit-line performance across the full retail and corporate book.
Leasing & factoring
Equipment and vehicle financing contracts, with repayment behavior over time.
Insurance
Premium payment history and claims-related exposure.
Microfinance
Small and group loans, often the earliest signal of a borrower's credit behavior.
Telecom
Payment-facility and device-financing history from mobile operators.
Utilities & public services
Payment discipline on essential services, a strong proxy for financial reliability.
The platform
From the data feed to the delivered report.
Member institutions submit and query data through a secure extranet. The bureau's team monitors data quality, tunes the scoring engine, and handles data-subject requests from a dedicated back-office.
Member extranet
Contributing institutions submit data feeds and query solvency reports on demand.
Solvency queries, with or without score
Some members query for identity and history verification only — others want the full score.
4-factor score breakdown
Payment history, utilization, credit history depth, and sector or regional risk — never a single opaque number.
24-month payment history
A visual, month-by-month repayment record for every credit line on file.
Data submission & load-rate tracking
Every feed is validated against the exchange schema, with rejected records tracked to resolution.
Full query audit log
Every report request is logged — who queried whom, when, and why.
Member onboarding & status
New contributors go through a structured onboarding before their data enters the registry.
Data-quality monitoring
Load rates and rejection rates tracked per member, per sector, over time.
Rectification requests
A dedicated queue for individuals and companies disputing or correcting their own data.
Regulatory reporting
Consolidated indicators ready for the supervising authority and the bureau's own governance.
The differentiator
Every query, every correction, fully traceable.
Where a spreadsheet only shows the latest snapshot, Solventia keeps the full chain — every submission, query, and rectification timestamped, attributed, and reportable.
A member institution submits a data feed of credit and payment records.
Records are checked against the data-exchange schema.
Accepted records enter the shared registry and update the borrower's file.
Non-conforming records are flagged back to the submitting member for correction.
Another member requests a solvency report, with or without a score.
The scoring engine computes a fresh solvency score on demand.
The report is returned to the requesting member and logged.
A data subject requests a correction, reviewed and applied by the bureau.
Reporting & governance
Built for institutions that answer to regulators and citizens.
Data-quality rates per member, incident rates per sector, and a full audit trail — ready for the supervising central authority, and for the individuals whose data the registry holds.
Implementation
Live in four steps.
A structured rollout that starts from your existing contributing institutions — nothing to rebuild from scratch.
Scoping
Sectors and member institutions to onboard, and the data-feed formats they already produce.
Deployment
Extranet and back-office configured, exchange protocol set up, branding applied.
Pilot data load
First real data feeds submitted, validated, and queried end-to-end.
Ongoing operation
Full submission-to-report flow, data-quality monitoring, and recurring regulator reporting.
Designed for Africa
Grounded in real credit-reporting operations.
This platform is built on genuine, hands-on experience digitizing credit-information exchange and solvency-scoring systems for financial institutions — not a generic template adapted after the fact.
Why Hydatis
A technology partner, not just a tool.
Ready to see your own data network in Solventia?
Walk through the full query lifecycle live.
Request a demo tailored to your member institutions and data-exchange needs. We'll walk you through the extranet and the back-office in real conditions, in under 30 minutes.