Every credit job,
on one engine.
From first-touch underwriting to live portfolio risk, syndicated capital, and UAE regulatory compliance — find what you need to solve.
Underwriting
5 use cases
CX Engine underwriting
Assess a borrower in minutes, not weeks — ingest, verify and reason over every input automatically.
Thin-file SME scoring
Score borrowers with no traditional bureau history using alternative and transactional data.
Financial spreading
Auto-normalise statements into a standard chart of accounts with ratio analytics and peer benchmarks.
KYC · AML · EID
Identity, sanctions and compliance verification run inside the decision flow.
Explainable decisions
Every verdict with an auditable rationale — decision-grade, not a black box.
Monitoring & risk
5 use cases
Continuous portfolio monitoring
Live borrower and portfolio health — continuous signals, not quarterly snapshots.
NPA & DPD classification
Real-time delinquency and non-performing-asset tracking across the whole book.
Early-warning alerts
Covenant breaches and behaviour-shifts flagged before they become defaults.
Cashflow intelligence
Working-capital cycles and revenue volatility detected from live transactions.
ESG & sector-shift signals
Macro, sector and sustainability risk surfaced across the portfolio.
Lending OS
5 use cases
Loan origination
Application, smart auto-parsing and pre-scored decisions in under 2 hours.
Loan management & servicing
20+ loan types with automated EMI, penalties and repayment scheduling.
Ledger & reconciliation
Double-entry accounting, write-offs and a full, exportable audit trail.
Collections & recovery
DPD-aware, workflow-driven collections and recovery management.
Collateral & compliance
Security tracking, lien management and regulatory reporting built in.
Capital & syndication
4 use cases
Co-lending & syndication
Distribute any deal across multiple lenders, tracked end-to-end.
Crowdfunding / P2P
Run as a named third-party platform on your existing licences.
Investor marketplace
Browse deals, commit capital, and track yield + DPD live.
Distribution statements
Automated, audited investor reporting and distributions.
Legal AI
5 use cases
CBUAE regulatory research
Query Central Bank of the UAE rulebooks, circulars and regulations in plain language — with sourced citations.
Contract scanning for fine risk
Scan agreements against UAE law and CBUAE regulations to flag clauses that could trigger regulatory penalties.
Compliance gap detection
Map AML/CFT, consumer-protection and data-residency obligations to your contracts, policies and disclosures.
Regulatory change monitoring
Track new CBUAE circulars and surface exactly what changed — and which of your documents it affects.
UAE legal research assistant
Answer UAE law and regulation questions with auditable, citation-backed responses for your risk and legal teams.
Products
6 use cases
Revenue-based financing
Repayments that scale with the business — built for digital-first SMEs.
Invoice discounting
Receivables to cash, underwritten by live transaction signals.
E-commerce & supply-chain finance
Sales-feed facilities for marketplace sellers and trade flows.
Equipment & working capital
Asset-secured and term lending, underwritten by the CX Engine.
Early wages + RNPL
Rent-now-pay-later for the business and early wage access for staff.
Sustainability program
For eco-friendly and women-in-business SMEs traditional underwriting overlooks.
Compliance research that catches the fine before it's filed.
Our UAE Legal AI reads the entire body of CBUAE rulebooks and UAE regulation, then scans your contracts, policies and disclosures against it — surfacing the clauses and gaps that lead to regulatory fines, with citations your legal team can act on.
Try the UAE Legal Assistant ↗Outcomes, not pilots.
12% → 3.1%
Ooredoo Qatar · BNPL
BNPL device-financing defaults cut by ~75%
Ooredoo Qatar used CXingularity's AI credit intelligence to sharpen device-financing decisions, driving defaults from 12% down to 3.1%.
Read the story ↗€127M
Flender · Crowdfunding
Scaled funded campaigns while cutting assessment time
Flender scaled to €127M in funded campaigns and compressed credit-assessment time with CXingularity's AI-powered due diligence.
Read the story ↗AED 52M
Klaim · Healthcare
Claims fraud prevented while scaling UAE operations
Klaim prevented AED 52M in healthcare claims fraud while scaling UAE operations using CXingularity's document intelligence.
Read the story ↗10×
Zerodots Capital · VC
Due-diligence capacity, with faster assessments
Zerodots Capital 10×'d their VC due-diligence capacity while cutting assessment time with CXingularity.
Read the story ↗
See it on your own lending workflow.
A walkthrough shaped around your products, credit policy and operating model.