Credstone
hello@credstone.com
Coming 2026

The intelligence layer
for modern finance.

Credstone is building the analytics, governance, risk, and compliance platform that financial institutions in high-growth markets need to operate at scale — from fraud detection and credit decisioning to security monitoring and AI-powered automation.

No spam. Unsubscribe anytime.

0+
Financial Institutions
0M+
Credit Decisions Made
0
Markets Served

700 million people.
Zero access to credit.

The majority of Africa's population and its small businesses are invisible to lenders — not because they're not creditworthy, but because the tools to assess them don't exist yet.

Credstone is building those tools.

0M
Unbanked adults in Africa
0%
SMEs with unmet credit needs
$0B
Annual credit gap (SME)
0x
Higher cost of capital vs. developed markets
Our Approach

Four principles we don't compromise on

01

Local-first data models

Atlas learns from African data environments — alternative telco signals, mobile money history, cooperative records — not just traditional bureau data.

02

Regulatory compliance by design

Built for Bank of Ghana, CBN, CBK and other central bank frameworks. Audit trails, explainability reports, and fair lending guardrails are not bolt-ons.

03

Infrastructure for lenders, not consumers

We don't compete with our customers. Credstone is a B2B infrastructure company — every product decision is made with the lender's business model in mind.

04

Security by design

We build to industry security standards with encryption at every layer. ISO 27001 certification is in progress. In financial infrastructure, security is not a feature — it is the foundation.

Platform

Platform capabilities

Fraud detection

Real-time transaction monitoring and behavioural analytics to detect and block fraud before it impacts your portfolio.

Sub-second decisions

Real-time credit decisioning via REST API with configurable policy rules.

Bureau integration

Pre-built connectors to major African bureaus, telcos, and mobile money APIs.

Portfolio analytics

Live vintage curves, approval rates, arrears dashboards and BI exports.

Explainable AI

Every decision comes with human-readable reasons for regulators and borrowers.

Local market intelligence

Calibrated for local market data environments — telco signals, mobile money, and cooperative records.

AutoML retraining

Schedules or manual triggers to retrain as your portfolio evolves.

Business analytics

Customer-level and portfolio-level analytics dashboards for strategic decisions.

Security & SIEM

Integrated security event monitoring and scanning tools built for financial institutions.

AI agents & automation

Intelligent agents that automate workflows, document analysis, and compliance checks.

Custom enterprise apps

Publish workflow-driven portals and custom applications for your clients.

Stablecoin platform

Infrastructure for issuing, managing, and settling stablecoin transactions across African markets.

Blockchain analytics

On-chain intelligence and transaction monitoring for digital asset portfolios and DeFi exposure.

The Team

Built by people who understand Africa

Our team combines deep fintech, banking, and engineering expertise with firsthand experience of African financial markets.

K
Kwame Asante
Co-founder & CEO

10+ years in African banking and financial technology. Led lending infrastructure at scale across multiple markets.

Previously
Fidelity BankInterswitch
A
Ama Mensah
Co-founder & CTO

ML engineer with deep expertise in alternative credit scoring models and distributed financial data systems.

Previously
JumoDSN AI
Y
Yaw Boateng
Co-founder & CPO

8 years designing financial products for underbanked markets across West and East Africa.

Previously
MTN MoMoWave Africa

Let's build Africa's financial future together

We're accepting applications from forward-thinking lenders for our early access programme.

Get in Touch