OPTASIA ENGINE 2.0
One engine. Every stage of the credit lifecycle.
Powering credit for leading operators and financial institutions
Credit infrastructure for real-world complexity.
The Power of Precision
From everyday signals to a credit decision, in under a second.
Step 1
Signals
Step 2
Precision engine
Step 3
Decision
Using a dynamic, complementary view of risk, the engine returns a credit decision in under a second—even where conventional credit information may be limited.
5,000+ Potential signals → 100,000+ Engineered features → < 1 second decision time.
5,000+ Potential signals
↓
100,000+ Engineered features
↓
< 1 second decision time.
One intelligent platform. Multiple propositions.
Optasia Engine 2.0 supports a broad range of credit propositions through a common foundation. Shared decisioning, integration and lifecycle-management capabilities help partners extend from airtime and data advances to consumer, revolving, merchant and utility credit—without rebuilding the infrastructure for each proposition.
A model designed for shared growth.
Optasia’s B2B2X model integrates with the channels customers already use, enabling partners to offer relevant credit propositions through their own brands. We provide the decisioning, integration and lifecycle management behind the scenes. As these propositions reach more eligible customers and perform sustainably, value grows across the ecosystem—including for Optasia.
The Platform in numbers
The Optasia Flywheel
The platform connects reach, permitted signals, decisioning and capital in a reinforcing cycle. As portfolios mature, governed outcomes inform model development—supporting more precise decisions and responsible growth over time.
Five advantages that strengthen as we scale.
1.5BN+ credit decisions a month — a behavioural dataset no competitor can replicate without equivalent years of exposure. It doesn’t just grow, it compounds: a performance gap that’s structural, not cyclical.
Integrated directly into distribution partners’ infrastructure through long-term agreements — partners grow alongside the platform, with real switching costs.
Hundreds of loans per second, 200+ AI models, built in-house on open-source with no vendor lock-in and years of real-world tuning.
Operational legitimacy across multiple countries — each licence and regulatory relationship a barrier that took years to build.
Running a real-time credit platform across three continents demands operational knowledge that only comes from a decade of doing it.
Configured for diverse markets and operating environments.
Optasia Engine 2.0 is a configurable, API-enabled platform designed to integrate with existing channels and operating environments. Its modular architecture supports local requirements, high transaction volumes and varied connectivity conditions—without rebuilding the core platform for every deployment.
Built in-house
Core platform and decisioning models developed and managed by Optasia.
Flexible deployment
Deployment patterns configured for partner, market and regulatory requirements.
Market-aware controls
Reporting, bureau and reconciliation capabilities configured where applicable.
Configurable propositions
Adapt product rules, journeys and parameters without rebuilding the core platform.
Integration-ready
API-based integration with existing channels and operating systems.
Lifecycle engagement
Omnichannel communications supporting servicing and portfolio management.
Resilience, security and compliance, by design.
CERTIFICATIONS & ASSURANCE
ISO
27001
Certified within the defined scope
SOC 2
Type II
Independently attested
Europrivacy
Certified within the defined scope
OPERATIONAL SAFEGUARDS
OAuth
2.0
Secure API authorisation
Optasia
Eye
Real-time operational monitoring
99.9%
Platform availability
See how Optasia Engine 2.0 could work in your ecosystem.
Talk to our team about your market, proposition and integration requirements.