Data Layer
Anchors loan records, ledgers, migrations, and schema evolution on a controlled system of record.
Need help ?Open source lending stack
AI First loan origination and management system
Kred Core gives you an AI-enabled, modular foundation to launch, manage, and continuously improve loan operations with open-source building blocks
Architecture
Modular by design
Each layer is framed around the realities of a lending platform: workflow control, operational security, integrations, and a system of record that can evolve safely.
Access Layer
Provides authentication, authorization, and role-aware operational controls for internal teams.
Integration Layer
Connects APIs, data services, and external systems needed across digital lending operations.
Business Logic
Supports origination, servicing, approvals, and institution-specific workflows without forcing a rigid operating model.
Intelligence Layer
Coordinates assisted decisioning, configurable automation patterns, and operational intelligence for lending teams.
Core deployment
Start with the open-source foundation
The core deployment gives lenders the essential modules needed to run and evolve a lending platform while keeping control and extensibility in-house.
Schema Manager
Loan Ledger
Relationship Management
UI over system of records
APIs
Auth
RBAC
Doc Management + Generation
... and more coming soon
Get started
Launch on open source. Grow with modular lending infrastructure.
Start with the core deployment, shape the workflows around your lending model, and expand into analytics, orchestration, and managed operations when the time is right.