We don't trust the AI blindly. We cross-check reality.
Informal business declarations can be inaccurate or inflated. The CreditGraph core engine cross-checks conversational statements against banking, tax invoices, supplier declarations, and localized delivery timelines to build the financial truth layer.
See Cross-Modal Engine99.2% Verification Match
Cross-reconciliation logic eliminates fraudulent statements, inflated revenues, and ghost transaction logs instantly.
The Triangulation Engine
How three separate conversational footprints reconcile into one verified ledger record.
Voice Log Claim
₹80,000 Purchase
Invoice Upload
₹80,000 Total
Bank/UPI Receipt
₹40,000 Transferred
Reconciled Result
Verified Payable ₹40,000 (99% Conf)
Detecting Discrepancies and Conflicts
If the voice transcription claims an ₹80,000 transaction but the uploaded handwritten shop invoice reads ₹75,000, CreditGraph flags the discrepancy immediately.
The system halts validation status and prompts both merchant and lender for manual transaction audit before updating the ledger balances.
Interactive Merchant Connection Graph
Trace the flow of receivables, payables, and inventory cycles across partners. Hover nodes to view verification metrics.
"What Changed?" Historical Risk Telemetry
Informal merchant health shifts rapidly based on micro-climates, supply chain blocks, or large buyer defaults. CreditGraph tracks daily shifts in metrics, alerts lenders when operational risk trends increase.
Risk Alert Engine: Revenue declined 28% over 60 days while outstanding receivables increased 46% due to buyer collection lags.
Open Portfolio Risk AlertsSharma Electricals Risk History
Collections matching 100%. Supplier balances cleared on maturity.
Sales volume stable at ₹8.2L. Reconstructed inventory turns are healthy.
8% seasonal drop in sales volume. Receivables delay index shifted upward.
Alert: Revenue declined 28% over 60 days while receivables increased 46% due to Gupta Traders payout lags.