How can we help?

PACIN is a credit intelligence infrastructure platform for African institutions. We aggregate behavioral financial data from mobile money, banking, and other rails, then provide lenders with risk scores and explainability. Designed for the 80% of Africans who lack traditional credit history.

Traditional bureaus report what lenders already know. Past loan repayments. PACIN scores from behavior across financial rails, which means we can score people and businesses who have never taken a formal loan. We're not a bureau; we're the intelligence layer beneath them.

We aggregate financial transaction data from rails an entity has explicitly consented to share. We do not collect demographic data, ethnicity, religion, or employment status. Every data pull is tied to an immutable consent record. See our Privacy Policy for the full data inventory.

Institution and developer accounts are reviewed within 1-2 business days after email verification. We verify regulatory compliance and the use case before activation. You'll receive an email when your account is approved.

Institution pricing is usage-based with Pay as you go, Growth, and Custom plans. Details and current rates are available in your institution Billing workspace after sign-in.

MVP coverage: Kenya. Active expansion: Nigeria and Rwanda. Roadmap: Uganda, Tanzania, Ghana, South Africa, and Egypt. If your institution operates in a country not listed, contact sales. We may be able to provide early access.

Apply for developer access. Once approved, your sandbox key (prefixed pk_test_) is automatically generated. Sandbox uses simulated data; no real consumer information is involved. Production keys (pk_live_) require an active institution account and signed agreement.

Within 72 hours: all data tied to that entity is purged from active stores, computed scores are invalidated, and a deletion confirmation is sent to the borrower. The consent ledger keeps an immutable record of the revocation but contains no personally identifiable information.

We follow Kenya's Data Protection Act (2019), Nigeria's NDPR, and Rwanda's data protection law as engineering requirements. Not afterthoughts. Compliance certifications are in progress. For specific regulatory questions, email compliance@pacinnetwork.com.

Today, no: PACIN is B2B infrastructure consumed by institutions. Consumer-facing access is on our post-pilot roadmap. Borrowers can request a copy of their data and any scores generated about them by emailing compliance@pacinnetwork.com under their data protection rights.