Turn bank and wallet statements into an explainable credit score. Share a secure link, score instantly, and lend — all from your dashboard. No credit bureau required.
Free during pilot · No card required
Used by lenders and fintechs across Nigeria
How it works
Borrowers upload their bank and wallet statements through a secure link you share.
Kova reads every transaction, nets internal transfers, and builds a clean cashflow view.
You get an explainable score from 0 to 100, plus a band, a limit, and clear reasons.
Read income, cashflow & risk fromsalary inflows,bank transfers,airtime & data,bills & utilities,POS & merchant,loan repayments,wallet top-ups,fees & charges.
Send a borrower a link. They upload, Kova scores, and you get the result back. No integration required.
Link docs →Every score ships with the signals behind it: income stability, cashflow trend, distinct sources, and fee burden. No black box.
Scoring docs →One script tag adds a polished upload widget with a 40+ bank picker to your app in minutes.
Publishable and secret keys per workspace, with domain and IP allowlists you control from the dashboard.
Across 40+ Nigerian banks and wallets — share a link, score, and lend from your dashboard.
Get started free ›