Credit scored in real time, across every Indian bank and NBFC.
NisWare is a transaction intelligence engine that re-prices creditworthiness the instant money moves — built natively on the Account Aggregator framework.
Private beta · onboarding lenders in cohorts
The engine
Underwriting that never goes stale
NisWare turns the raw transaction feed of every connected bank and NBFC into a credit score that updates in real time.
Real-time re-scoring
Every UPI, POS, and ACH transaction re-prices creditworthiness the moment it settles — no batch jobs, no overnight windows.
Account Aggregator native
Built directly on the RBI Account Aggregator framework. Consent-driven financial data, fetched and refreshed the moment it's authorized.
A living score, not a snapshot
Bureau scores are a photo from last month. NisWare maintains a continuous score that moves with the borrower's actual cash flow.
Explainable deltas
Every point of movement is attributable to a specific event. Full audit trail for risk, compliance, and model governance.
Multi-rail ingestion
UPI, POS, NEFT, RTGS, and bank statements normalized into one stream so signals are consistent across every payment channel.
Lender-ready API
A single decisioning endpoint returns the current score, its drivers, and a recommended action — drop it straight into your underwriting flow.
Coverage
One engine, wired into the whole rail
Banks, NBFCs, payment aggregators, and brokerages — all ingested through consented Account Aggregator flows and scored on one model.
Private beta
Get early access to dynamic underwriting
We're onboarding lenders in small cohorts. Join the waitlist and we'll reach out when a slot opens for your team.