Credit & Underwriting
Bring more context to every lending decision
Zafin’s Transaction Enrichment API enriches transaction data with clearer income, expense, merchant, and category context to support cash flow analysis and underwriting workflows.
Lenders have credit history. What they lack is current financial context
Whether you’re underwriting consumers or small businesses, a bureau file only tells you how someone handled debt historically, not whether they can service a new obligation today. Real transaction data closes that gap, but only if it’s structured.
Zafin’s Transaction Enrichment API adds income, expense, merchant, and recurring-payment context to support existing scorecards and underwriting workflows.
How Transaction Enrichment supports lending
Build comprehensive borrower profiles
Add merchant, category, income, and expense context beyond traditional credit data.
Strengthen cash flow analysis
Give existing models cleaner transaction data to interpret income and spending patterns.
Support more efficient underwriting
Reduce manual review with structured transaction data ready for lending workflows.
Support applicants with limited credit history
Help lenders evaluate thin-file and credit-invisible applicants using current financial context alongside traditional credit data.
Support small-business lending
Help lenders understand business income, expenses, and working-capital activity more clearly.
Support post-funding monitoring
Make enriched income and spending data available to existing borrower-monitoring workflows.
See Transaction Enrichment in action
Pick a prepared example, or enter a raw transaction description of your own, then run it through enrichment.
API Response:
How Transaction Enrichment works
Send transaction data
Submit raw transaction descriptions through the API.
Run
enrichment
Identify merchants, categories, logos, locations, and available recurring-payment context.
Return structured context
Return clean, consistent data your products and decisioning workflows can use.
Get started today
Power your transaction data with Zafin’s financial APIs unlock better insights and drive better experiences.
FAQ
What is Transaction Enrichment?
Zafin AIOS is an end-to-end agent orchestration platform and control plane for governed agentic work.
It helps regulated institutions coordinate agents, models, tools, workflows, knowledge sources, and human authority through one governed path, so agentic work can move with authority, evidence, cost controls, and proof of work built in.
What is the difference between transaction data enrichment and transaction categorization?
No. AIOS is not a single agent, model, or copilot.
It is the orchestration and control layer that governs how agentic work is requested, grounded, routed, executed, reviewed, evidenced, and improved across approved agents, models, tools, and enterprise systems.
How accurate is the enrichment?
AIOS is built for regulated institutions that want to use agentic AI in meaningful work without losing control of governance, evidence, cost, authority, or accountability. The first focus is banking and adjacent regulated financial services, where complex systems, sensitive data, human authority, audit expectations, and modernization pressure all matter.
Can enriched data be used for advanced analytics?
Start where speed, control and evidence all matter.
Common starting points include software and application delivery, modernization of internal systems, and workflows, regulated research, evidence-heavy operations, approval workflows, case work, and policy interpretation.
The goal is to start with one critical path, then extend the same control plane, governance model, proof of work layer, and learning loop across more governed work.
Is my financial data secure when using Transaction Enrichment?
AIOS creates a source of proof for agentic work.
It captures what was requested, what was allowed, what context was used, what happened, which agents or models participated, where humans reviewed the work, what changed, what it cost, and what proof remains.
That evidence helps institutions inspect how work was performed, reviewed, and governed without reconstructing the work path after the fact.