Brazil's most accurate credit engine
As a market leader, GUARD generates an optimized credit limit by combining low default rates with high engagement
Infrastructure built with best-in-class technology
Credit analysis powered by continuous learning
GUARD is a credit engine that learns from real-world data to generate more accurate and granular decisions, especially for 'invisible' customers who are underserved by the traditional banking system
Data Collection
traditional, alternatives and behavioral
Intelligent Processing
Machine Learning trained with +100,000 real customers
Optimized Credit Analysis
Responsible approval, reducing defaults
Custom Limit Setting
Maximize engagement and usage
Predictable and scalable operations
With GUARD, you get higher approval rates and lower default rates—and credit limits that engage
Low defaults rates
below market
average credit limit utilization
of customers with first purchase within 7 days
Simple, real-time API
GUARD's API integrates easily with your strategy to revolutionize your credit analysis process.
Technology designed to deliver credit decisions in seconds
Flexibility to be used as the sole decision driver or as the main strategy within your existing credit policies
Integrate GUARD's intelligence into your operations
Transform complexity into precision. Discover how GUARD™ can boost your business growth.