Prelim runs underwriting, merchant onboarding, fraud detection, and collections with AI agents. No analysts. No call centers. No legacy.
The problem
Dozens of analysts running static models. Decisions take hours or days. Alternative data goes unused.
Weeks of integration work per merchant. Custom builds, compliance reviews, endless back-and-forth.
Rigid rules that miss novel patterns and flag legitimate transactions. Tuned by hand, months behind.
Hundreds of agents making calls. Low recovery rates, high overhead, terrible customer experience.
The Prelim stack
Reads transaction history, behavioral signals, and open banking data. Makes credit decisions in under 200ms. Learns from every outcome. Explains every decision.
Handles KYC, compliance checks, and integration setup autonomously. Takes a merchant from signup to live in hours, not weeks.
Monitors every transaction in real-time. Detects novel fraud patterns without static rules. Adapts continuously as attack vectors shift.
Personalized, respectful outreach across channels. Negotiates payment plans autonomously. Higher recovery rates without a single phone call.
That was 2008. This is 2026. The infrastructure that powered a billion-dollar acquisition can now run on four AI agents. Same domain expertise. Zero operational overhead.
Prelim is building the credit operations layer that every fintech will run on.