HELIX
How we underwrite and operate — AI that decides, second-opinions, or blocks.
HELIX — Hybrid Evidence, Logic, Intelligence, and eXplainability — is the operating layer for our underwriting and monitoring: an ensemble of signals that prevents fraud, speeds decisions, and keeps every outcome replayable for bank regulators. Proven at scale — $210M+ in SMB loans facilitated, with bank partners including Stanbic Bank and Tanzania Commercial Bank (TCB).
What’s inside
- The HELIX Protocol (H · E · L · I · X)
- Four engines: originate → underwrite → decide → monitor
- Decide · second-opinion · block — fraud, speed, fewer mistakes
- Regulator-ready append-only trails for bank partners
- $210M+ SMB loans · Stanbic · TCB
The protocol
The HELIX Protocol
Five pillars govern every decision on the book — from first document upload through live monitoring. HELIX decides, second-opinions, or blocks using an ensemble of signals — not a single model score.
Hybrid
AI agents can decide, issue a second opinion, or hard-block a case — preventing fraud, speeding underwriting, and catching mistakes before capital moves.
Evidence
An ensemble of document, trade, supplier, cashflow, and portfolio signals — not a single score — that feeds every approve, review, or block.
Logic
Policy constraints and multi-signal scoring combine into one decision path. Settlement follows only when the ensemble clears the gate.
Intelligence
Autonomous decisioning: extraction, second-opinion, and RADAR monitoring run continuously — without waiting for someone to rebuild a spreadsheet pack.
eXplainability
Built for regulatory approval within banks: append-only trails with forward and backward chaining so every decision is replayable for auditors and partners.
Platform
Four engines, one governed story
The HELIX Protocol runs four capabilities as one system: origination, credit verification, autonomous decide / second-opinion / block, and continuous monitoring through the RADAR agent.
Origination engine
Policy- and portfolio-aware agents search the web and enrichment data for strong-fit leads. If the book is slow or too concentrated, they suggest new industries, products, or brands you have not yet booked—inside your rules. GTM and CRM build the pipeline; bankers own outreach.
Credit & verification engine
Pulls structured facts from application documents and trade data, then builds a single verification-ready case file for each applicant. An ensemble of signals and your credit policy enforce eligibility, limits, and required checks at each step—so underwriting follows the same compliant path every time.
Decision & policy engine
Agents can approve, second-opinion, or block. Outcomes carry reason codes on an audit trail built for bank regulators — so partners can see what fired, what was blocked, and why.
Autonomous monitoring engine
After money is out, RADAR watches the live book: concentrations by sector or name, early-warning triggers, and the risk metrics your team already tracks—without waiting for someone to rebuild a spreadsheet pack. What it sees feeds dashboards and standard reports partners and supervisors can read in one pass.
Outcomes
AI that decides — with a trail banks can audit
HELIX prevents fraud, accelerates underwriting, and reduces mistakes. Every approve, second-opinion, or block is written to an append-only trail built for regulatory review inside partner banks.
Decide, second-opinion, or block
HELIX does not wait for a human to rubber-stamp routine risk. Agents approve clean cases, escalate ambiguous ones with a second opinion, and hard-block fraud or policy breaches before funds move.
Faster underwriting, fewer mistakes
Continuous extraction and monitoring cut cycle time while ensemble checks catch document, supplier, and settlement anomalies that a single scorecard would miss.
Regulator-ready by design
Every model call, policy check, and decision lands on an append-only trail with forward and backward chaining — so bank compliance teams can replay the same timeline.
Products
Three lanes we underwrite end-to-end
Each product follows the same governed workflow: deterministic policy checks, auditable exceptions, and controlled settlement.
Product
Stock more, sell more — without locking up your cash.
Finance up to 100% of your purchase orders so you can scale inventory without dipping into working capital.
What it unlocks
- Wholesalers stocking ahead of peak season
- Distributors taking advantage of bulk supplier discounts
- Retailers expanding SKU range
Up to 100% PO financing
Pay suppliers in 24–48 hours
30–120 day flexible repayment
No fixed-asset collateral required — inventory is collateral
How it works
A four-step flow — digital end-to-end
Upload PO & invoice
Share your purchase order and supplier invoice — digital only.
Get approved
Same-day decision with policy-locked underwriting checks.
Supplier is paid
We settle your supplier directly so you can stock immediately.
Sell, then repay
You sell through your channels and repay from receivables.
Use cases
Built for operators, not slide decks
Wholesalers stocking ahead of peak season
Distributors taking advantage of bulk supplier discounts
Retailers expanding SKU range
Typical coverage
0Decision time
0hTypical tenor
0dFAQ
Questions we get before a first facility
What inventory qualifies?
We typically finance fast-moving SKUs with verifiable supplier invoices and predictable sell-through. Eligibility is lane- and supplier-dependent.
What's the cost structure?
Pricing is a combination of interest and fees tied to tenor and risk tier. You’ll see a transparent schedule before you accept.
How fast is approval?
Same-day for standard cases once documents are complete. Complex cases can be escalated with reason-coded notes.
What happens if inventory doesn't sell?
We work through structured remediation: revised repayment schedules, partial liquidation, and controlled recovery paths — always recorded in the audit trail.
Product
Bridge the gap between paying overseas suppliers and getting paid.
Collateral-free working capital for importers — pay suppliers on their terms, repay on yours.
What it unlocks
- Importers sourcing from Asia/EU
- Businesses navigating supplier prepayment terms
- Growth-stage companies expanding overseas sourcing
Pay international suppliers upfront
60–180 day credit terms
Multi-currency support
Fully digital, minimal paperwork
How it works
A four-step flow — digital end-to-end
Submit invoice & shipping docs
Share supplier invoice, BoL, and key shipment documents.
Digital underwriting
Underwriting in hours — not weeks — with policy-locked controls.
Supplier settlement
We settle your supplier in their currency on agreed terms.
Repay locally
Repay in local currency based on tenor and cashflow.
Use cases
Built for operators, not slide decks
Importers sourcing from Asia/EU
Businesses navigating supplier prepayment terms
Growth-stage companies expanding overseas sourcing
Typical tenor
0dPaperwork
0Supplier settlement
0hFAQ
Questions we get before a first facility
Which countries/corridors are supported?
Coverage depends on settlement rails and documentation availability. We can start with a single corridor and expand after performance is proven.
What documents do you need?
At minimum: supplier invoice, shipping docs (e.g. BoL), and business verification. Requirements vary by corridor and product tier.
How do you handle FX risk?
We price and structure to reduce FX volatility exposure. Exact handling depends on corridor, currency pair, and tenor.
What's the eligibility bar?
We look for repeatable trade patterns, verifiable suppliers, and cashflow consistency. Exceptions require approver sign-off with reason codes.
Product
Clear customs without cash-flow shock.
We finance duties, taxes, and clearing fees so your shipment moves the moment it lands.
What it unlocks
- High-volume importers
- Businesses with seasonal duty spikes
- Importers of high-tariff categories
Duty & tax financing at port
Avoid demurrage and storage fees
Single dashboard for clearing + finance
Integration with major customs brokers
How it works
A four-step flow — digital end-to-end
Share BoL & declaration
Submit BoL and customs declaration for duty computation.
Compute & approve
We compute duties/taxes and approve financing with policy checks.
Pay customs authority
We pay the relevant authority so release can proceed immediately.
Repay over tenor
Repay over 30–90 days as goods are sold.
Use cases
Built for operators, not slide decks
High-volume importers
Businesses with seasonal duty spikes
Importers of high-tariff categories
Typical tenor
0dRelease speed
0hDemurrage avoided
0dFAQ
Questions we get before a first facility
Which ports/customs authorities?
Coverage depends on local payment rails and broker availability. We start with the busiest ports first and expand corridor-by-corridor.
How is duty calculated and pre-approved?
We compute duties from declaration data and validate against shipment docs, then route approvals through deterministic checks and policy-driven escalation when needed.
What brokers are integrated?
We integrate with major clearing partners depending on market. If your broker isn’t integrated, we can still support via document-based workflows.
What if a shipment is held?
The workflow supports exception handling (document gaps, inspections) with auditability and controlled release conditions.
Corridors
Built for the routes you actually trade.
Live coverage across DE → TZ, GB → TZ, AE → TZ, CN → TZ, and KR → TZ.
Coverage
Example trade corridors
Illustrative global and regional lanes for a Tanzania anchor—each can be tuned when you wire real corridor policy and telemetry.
Flows highlight in sequence across global and African regional lanes. Hover or focus a lane to pause the tour.
Selected lane
DE → TZ
Germany to Tanzania
Facility sizing
Set by your product rules
Tenor
Configurable per programme
FAQ
Common questions from investors
Short answers to the questions we hear most often.
What does HELIX stand for?
HELIX — Hybrid Evidence, Logic, Intelligence, and eXplainability. Hybrid: AI can decide, second-opinion, or block — preventing fraud, speeding underwriting, and reducing mistakes. Evidence: an ensemble of signals, not a single score. Logic: policy and multi-signal scoring combine into one decision path. Intelligence: autonomous decisioning — extraction, second-opinion, and RADAR run continuously. eXplainability: append-only trails for regulatory approval within banks.
Does HELIX replace our underwriting team?
HELIX takes the high-volume decide / second-opinion / block work so credit teams focus on capital, relationships, and edge cases that truly need judgment — with a full audit trail for every automated outcome.
What does “policy-locked” mean?
Settlement only proceeds when the signal ensemble clears your policy gates. AI can approve, escalate, or block; it cannot move money outside those constraints.
Can we start with one corridor or product?
Yes. Most teams start with one lane (e.g. import finance for a priority corridor), then expand after operational confidence and monitoring are proven.
Which markets do you support?
Production support for Tanzania (TIN, BRELA, major banks) and Kenya. Active build-out for Rwanda, Uganda, Nigeria, and Ghana. Supplier vetting and import-finance workflows are market-agnostic. Bank partners include Stanbic Bank and Tanzania Commercial Bank (TCB).
How is this different from rule-based underwriting we already run?
Rule-based engines cannot reason over unstructured signals like supplier legitimacy, document authenticity, cashflow narrative, and trade-pattern anomalies. HELIX extracts those signals into an ensemble, then decides, second-opinions, or blocks with a replayable audit trail.