Financial intelligence infrastructure
Tenara helps financial institutions make smarter credit decisions while giving individuals a clearer view of their financial health.
Tenara products
Whether you're building lending products or managing your own financial health, Tenara turns financial data into intelligence you can act on.
Credit intelligence infrastructure for banks, SACCOs, MFIs, fintechs and modern lenders.
See your Tenara Score, understand the factors affecting your financial health, and get actionable recommendations.
Tenara for Business
From borrower assessment to portfolio monitoring, Tenara provides the intelligence layer behind better lending decisions.
Use each capability on its own through the API, or together as a single intelligence layer across origination, decisioning and portfolio management.
Understand borrower risk before extending credit.
Determine how much a borrower can reasonably afford.
Identify anomalies and suspicious application behaviour.
Turn intelligence into configurable lending decisions.
Monitor risk across your entire lending portfolio.
Give credit teams an intelligent interface for understanding borrower and portfolio data.
The problem
Most institutions already hold valuable data. What they lack is a layer that connects it, turns it into consistent risk intelligence, and puts that intelligence where decisions are made.
Borrower data sits across accounts, bureaus and internal systems.
Origination, core banking and risk tools rarely share context.
Teams see a score, not the drivers behind it.
Analysts rebuild the same picture by hand for every application.
Static scorecards lag behind how borrowers actually behave.
Thin files and new-to-credit borrowers are hard to assess.
Emerging risk surfaces late, after it reaches the book.
Tenara is the infrastructure layer that connects these pieces — one place where financial data becomes risk intelligence, and intelligence becomes a lending decision your team can understand.
See how the platform fits togetherPlatform · Tenara for Business
Data → Intelligence → Decision → Monitoring. Tenara sits between your data and your decisions, turning financial data into risk, affordability and fraud intelligence and carrying it through to decisioning and ongoing monitoring.
Data
Transactions
Credit data
Loan history
Risk
Affordability
Fraud
Decisioning
Monitoring
01
Bring together borrower and financial information through the API or your existing systems.
02
Turn raw information into risk, affordability and behavioural signals.
03
Generate actionable lending recommendations against policies you configure.
04
Track portfolio risk and changing borrower conditions over time.
Tenara Personal
Tenara Personal helps you understand your financial position, your Tenara Score, the factors affecting it, and where you can improve.
Tenara Score is a proprietary Tenara financial assessment and is not an official credit-bureau score. Figures shown are illustrative.
Explainability
A number on its own isn't enough. Every Tenara assessment carries the structured factors behind it, with direction and relative impact, so no one is left reading a black box.
For businesses
Tenara Risk Score
Give credit teams clear reasons behind every assessment.
For individuals
Tenara Score
Understand the factors influencing your financial health.
Tenara Risk Score
742
Positive factors
Negative factors
Our approach to AI
Tenara uses AI and large language models to make intelligence easier to understand and act on. Risk itself is scored by structured models and assessment logic.
AI does not independently determine credit risk.
01
Risk scores, default probabilities and affordability come from structured risk models and assessment logic, not language models.
02
AI turns results into clear, contextual intelligence for credit teams and individuals — working from assessment outputs rather than personal identifiers.
03
Lending decisions remain with your institution and the policies you set.
Tenara for Business · API
Built to plug into your lending stack. Integrate Tenara into your existing loan origination system, core banking platform, mobile application, or internal lending workflow.
/api/v1/assessmentsAuthorization: Bearer tnr_test_••••••••
{
"borrower_id": "brw_82741",
"loan_amount": 150000,
"term": 12
}{
"risk_score": 742,
"risk_band": "LOW",
"probability_of_default": 0.082,
"recommended_limit": 180000
}Developers
Clear contracts, safe environments and the tooling engineering teams expect — so integrating credit intelligence is a sprint, not a program.
REST APIs
Predictable, resource-oriented endpoints.
API keys
Scoped per environment, revocable at any time.
Sandbox environment
Integrate and test without touching live data.
Production environment
Separated from sandbox at the credential level.
Webhooks
Assessment events delivered to your endpoint. Planned.
Usage monitoring
See when each API key was last used.
Versioned APIs
Stable contracts under /v1 as the platform evolves.
Documentation
Guides and references for every endpoint.
Sandbox
tnr_test_…
Production
tnr_live_…
$ curl -X POST "$TENARA_API_URL/api/v1/assessments" \
-H "Authorization: Bearer $TENARA_API_KEY" \
-H "Content-Type: application/json" \
-d '{"borrower_id":"brw_82741","loan_amount":150000,"term":12}'{
"type": "assessment.completed",
"data": {
"id": "asm_7Qx2kD9",
"risk_band": "LOW"
}
}Security
Security is part of the architecture, not a layer added afterwards. These are the controls Tenara is built around, for institutions and individuals alike.
Every record is scoped to its institution. Tenara Personal data is visible only to the individual it belongs to.
Permissions follow roles such as administrator, risk analyst, credit officer and developer.
Sign-ins, key management and access to sensitive records are written to an append-only log.
Tenara Personal financial details are encrypted at rest with AES-256-GCM. Passwords are hashed with argon2id.
Keys are stored hashed with a server-side pepper, with expiry and revocation.
Sandbox and production are separated at the credential level, with access configured for each.
Session tokens stay in httpOnly cookies behind a same-origin proxy, and sign-in traffic is rate limited.
Structured logs with request IDs, with sensitive fields redacted before anything is written.
Models and AI components work from assessment outputs, not personal identifiers, and secrets are supplied by the environment, never embedded in code.
Who it's for
Institutions that extend credit, and the people who use it.
Make better lending decisions.
Modernize credit intelligence without rebuilding your lending stack.
Give credit teams better borrower intelligence.
Improve assessment and portfolio visibility.
Build sophisticated lending products without building the entire intelligence layer yourself.
Integrate risk intelligence directly into your product.
Bring consistent, explainable assessment to every member loan.
Understand your financial health.
Get a clear, private picture of your financial position.
Understand how your profile looks before you apply for credit.
See how your commitments compare with what you earn.
Track your Tenara Score over time and see what moves it.
Get started
Tell us a little about yourself and the Tenara team will get back to you.
Prefer email? info@tenara.site