Sources over opinions
Every statement about a file points at where it came from and when it was fetched. What cannot be evidenced does not count automatically.
About Adefin
Two challenges. One approach.
Adefin builds the infrastructure under financing and leasing. Not a platform that does everything a little, but the two pieces that decide whether a file closes: knowing who is good for it, and getting the file complete and provable.
The engine runs.
An application comes in today through the API, through the portal or through the console, the checks go and fetch their sources, the score follows the financing partner's model and the offers follow their rate cards.
What is being added now are channels and colours, not foundations. Seller, marketplace or financing partner: we connect you to what is already there.
Platform, API and webhooks
Portal as customer front
Financial-partner panel
Components, app.adefin.be/my and white label
How we build.
The specialist decides
Models propose, people decide. Findings from the integrity check and from the research are never folded into a score automatically.
Built to be checked
A credit decision has to be explainable years later. So everything is fixed: the source, the model, the version, the moment and the person.
AI where it does the work
Looking up, reading and summarising is done by an AI credit officer. Weighing happens in a model someone configured, and deciding stays with a person.
Built to be audited.
We handle identity documents, income data and credit decisions. The standards that come with that sit in the design from the first line of code, not bolted on afterwards.
ISO/IEC 27001
Information security management
ISO/IEC 42001
AI management system
ISO/IEC 27701
Privacy information management
SOC 2 Type II
Operational controls, independently tested
On top of that come the frameworks this product falls under anyway: the GDPR, the EU AI Act (which classes creditworthiness assessment of individuals as a high-risk use), DORA through our financial partners, and eIDAS for qualified electronic signatures.
What being early gets you.
We take a limited number of partners through this phase, and there is something in it for them.
01
You steer what gets built
Your acceptance rules, your rate cards and the way you work steer where the platform goes. What you are missing lands in the next release rather than on a wish list.
02
You are first when it opens up
Your connection is ready before the rest join, and your files run first. New channels, such as the components and the portal in your branding, are set up at your place first.
03
We set it up with you
Your score model, your rate cards and your connection are configured together, with someone from our side next to you until the first files really run. Not a manual and good luck.
What people ask first.
- What exactly is Adefin?
Adefin builds the infrastructure under financing and leasing: the solvability check, the file that puts itself together, and the link between the seller and their financing partners.
We sell nothing ourselves and we lend nothing ourselves. We make sure the two parties who do reach a decision faster, with the same figures in front of them.
- So are you a lender?
No. Adefin does not lend and carries no risk. We are the layer in between: we build the file, we check it and we put it in front of the financing partners the seller works with. The decision, the rate and the contract stay with them.
- What if you already have software?
Then you replace nothing. Everything the console does, your own system can do through the API, and the webhooks report every status change back. Adefin does not have to appear anywhere: flow, portal and components carry your brand.
Want to see it run?
Bring your own files and your rate cards, and we will show you what the platform does with them.