Scienaptics
“Can an AI-native credit decisioning platform become the standard underwriting intelligence layer for credit unions and non-bank lenders in the US?”
HQNew York, NY (US) & Bangalore, India
IndustryInfrastructure / Lending
The story
Scienaptics (branded Scienaptic AI) is an AI-powered credit decisioning infrastructure company serving over 150 lenders including credit unions, BNPL platforms, and specialty finance companies. The company's core product — iCUE — provides automated underwriting, pre-qualification, fraud detection, and perpetual offer management, positioning itself as an AI layer embedded into lenders' existing loan origination workflows rather than a lender itself.
Last 12 months
—
Product timeline
2022
ZeroPay goes live on Scienaptic's AI-powered credit decisioning platform for BNPL limit assignment.· lending
2022
American Cycle Finance integrates Scienaptic's AI-powered credit decisioning platform.· lending
The stack
Lending
Accounting gap: none