Financial Reconstructed Reality

See the real financial health of businesses that don't use financial software.

Cenizas CreditGraph turns voice notes, WhatsApp messages, and invoices into cross-verified, lender-ready financial intelligence.

Request API Access See Ingestion Flow

Live Sandbox Demo Interactive Engine

Dialect

Select a preset above to run the live transcription and NLU parser...

                        > Console inactive. Waiting for preset trigger...
                    

Ledger Output

The Translation Flow

How We Reconstruct Reality in Real-Time

From messy verbal commerce to structured double-entry ledger verification.

Capture Activity

Merchant records audio, photo, or UPI messages as they happen. No training required.

Language NLU

AI extracts entities, values, dates, and intent in mixed vernacular dialects (Hinglish/Tamil).

Triangulated Proof

Cross-checks invoices, ledger entries, and bank SMS statements to establish truth.

Lender Asset

Outputs structured underwriting assets: collections trend, seasonality, and debt capacity.

The Credit Information Gap

The Trillion-Dollar Lending Blindspot

Traditional credit scoring rejects micro-merchants because their economic activity is unrecorded. They lack ITR, formal balance sheets, or ERP software.

Cenizas CreditGraph bridges this gap. We do not try to make merchants use complex Accounting Apps. We capture data where they are (WhatsApp) and output institutional-grade credit evidence.

Credit Indicator	Traditional Bureaus	Cenizas CreditGraph
Income Source	Only audited ITR records	Reconstructed Real Cash-flows
Telemetry Frequency	Monthly or Quarterly lag	Real-Time Daily Ledger Auditing
Data Capture	Manual paper submissions	Hands-free Voice/WhatsApp messages
Underwriting Asset	Static credit score	Live Supplier-Buyer Risk Graph

The CreditGraph Reinsurance & Growth Flywheel

Continuous data loop structures risk profiles, lowers cost of capital, and grows merchants.

For Merchants

Invisible, Zero-Friction Bookkeeping

Keep using WhatsApp, voice notes, and paper notebooks. CreditGraph processes your daily updates in the background, keeping track of who owes you money and reminding you when suppliers are due.

No laptop required. Works inside WhatsApp with Hinglish NLU support.

Explore Merchant Capture →

For Lenders

Explainable Underwriting for Informal Economy

Assess credit risk using auditable ledger records, rather than guessing based on shop size. Every credit decision is supported by cross-verified transaction trails: bank receipts, invoices, and messaging logs.

Monitor merchant health continuously. Receive early warning indicators before defaults happen.

Explore Lender Console →

Vernacular Language Engine Matrix

Processing billing details, invoices, and dialects native to Indian small business hubs.

Hinglish / Hindi

94.2%

Recognizes colloquial business terms (Bhai, Maal, Pending, Dena hai, Khata).

Tamil

98.1%

High accuracy OCR for Tamil receipt layouts and local merchant audio logs.

Telugu

92.5%

Entity extraction configured for AP/Telangana agro-retail billing profiles.

Gujarati

91.8%

Custom entities built for textile and trading ledger terms in Gujarat.

Product Suite Exploration

Merchant Capture

Analyze how our WhatsApp AI logs text and voice and auto-calculates payment maturities.

Ingestion Systems

Lender Console

View audit dashboards, recommended credit limits, and real-time verification logs.

Underwriting Console

The Tech Moat

Dive into multi-modal cross-checks, graph nodes, and discrepancy resolution tools.

Core Technology