AI-Enabled Embedded Finance · Ethiopia
Credoks builds the credit, advance, and charging services that run inside mobile networks and financial institutions — so a phone in anyone's hand becomes a working financial account.
Technology partnership
Services
Every service runs on the same scoring, delivery, and reconciliation core — deploy one, add the next without a new integration.
Subscribers obtain airtime, data, or voice minutes the moment their balance hits zero — repaid automatically on the next top-up.
Explore the service →Real-time credit profiles built from mobile usage, behavioural, and transaction data — decisions in under a second.
Explore the service →Real cash micro-loans disbursed straight to mobile wallets or bank accounts — instant approval, no paperwork, no branch visit.
Explore the service →Subscribers display a personalised message to the people they call, before the call connects — via Flash SMS or USSD.
Explore the service →ContentKredit, BundleKredit, and Utility Advance — a multi-operator aggregation platform with anonymisation built in.
Explore the service →Real-time, event-driven charging for voice, data, and content — millisecond responsiveness across prepaid, postpaid, and hybrid models.
Explore the service →Islamic Finance
Murabaha financing, Wadia wallets, Kafala guarantees, Zakat & Sadaqah, and a certified Halal marketplace — governed by an independent Shariah advisory board, with quarterly audits and published fatwas. In 2025 the National Bank of Ethiopia lifted the credit cap for Shariah-compliant lenders; the market is open.
See the Islamic finance suiteMost people excluded from credit are not un-creditworthy — they are un-scored. We use the data people already generate to open doors that paperwork keeps closed.
How it works
The platform integrates with the operator's or lender's core systems — charging, wallet, and CRM.
Every request is scored in real time from usage, recharge, and transaction behaviour.
Advances, loans, and premium services reach the customer over SMS, USSD, IVR, or wallet.
Recovery runs automatically on top-up or schedule, with full reconciliation back to the partner.
Who we serve
New revenue from advances, premium VAS, and real-time charging — with credit risk carried by the service, not the network.
Score and serve customers who have no bureau file — micro-loans, BNPL, and Shariah-compliant products under your licence.
Embedded credit and advance products that raise wallet activity and keep balances moving.
News
The platform brings together credit scoring, airtime and data advances, micro-lending, and real-time charging as one deployment for operators and financial institutions.
The partnership pairs Credoks' local platform and operations with Simbrella's AI credit-scoring technology, proven with operators across 20 countries.
With mobile subscriptions past 57 million and regulation opening to interest-free lending, Credoks is expanding its service lines for operators, banks, and MFIs.
Tell us about your subscribers or customers — we will bring the deployment path.