Likuid
Book a demo
The platform

Risk and payments,
on one connected system.

Credit decisions and payment outcomes share a single data layer — so every payment sharpens the next decision, and every decision improves how you get paid.

Book a demo Explore the modules
One platform

Modular by design, powerful when combined.

A single point of connectivity into a framework of modules — deploy one, or run the whole credit journey end to end.

One API
A single point of connectivity

The Likuid platform

Six modules — deploy one, or run the whole credit journey.

AI agents native Continuous learning
Originate

Optimised application journeys with eligibility, affordability and broker connectivity.

Unify

Enrich and assemble every data source into one validated customer view.

Decide

AI scoring and real-time decisioning that learns from live book performance.

Pay

Payment orchestration across all rails with automated retry and reconciliation.

Act

Proactive engagement and automated collections, hardship and forbearance.

Performance

Aggregated portfolio insight and continuous strategy recommendations.

Data Marketplace
New integrations added regularly
Open Banking ID Verification Experian Companies House Finastra Salt Edge TransUnion HMRC Postcoder
Integrations
Connect to your stack
REST APIREST API
WebhooksWebhooks
PlatformsPlatforms
Core Banking & LMSCore Banking

Everything you need, in one place

Six purpose-built modules — deploy individually or as a complete platform.

Originate

Branded application journeys, built to convert

Deploy whitelabel journeys across web, app or embedded. Built-in verification and open-banking injection maximise data quality from the first interaction.

Whitelabel journeys
Responsive flows for web, app & embedded — fully branded
Live data injection
Open-banking data served directly into journeys in real time
Verification built in
Mobile, email & address checks at point of capture
Event-driven tracking
Every interaction tracked under one unified customer ID
Unify

One enriched view of every customer

A single profile assembled from bureaus, open banking and lending history — with AI categorisation, income identification and risk flags applied automatically.

Every source, unified
Bureau, open banking and internal data in one profile
AI categorisation
Transactions classified and income identified automatically
Affordability
Income & expenditure built from verified bank data
Risk flags
Gambling, hardship and volatility signals surfaced early
Decide

Real-time decisions that learn continuously

An AI scoring and decisioning engine that adapts to live book performance — explainable, configurable and always improving, with no waiting for the quarterly retro.

Real-time scoring
Sub-second decisions, fully automated
Learns from outcomes
Scorecards tuned by actual book performance
Explainable
Every decision comes with a documented rationale
Configurable rules
Policy and appetite changes deployed without code
Pay

Payments orchestration, built in

Collect and reconcile across every rail — Direct Debit, Faster Payments and Pay by Bank — with automated retries and method-switching driven by payment outcomes.

All rails
Direct Debit, Faster Payments & Pay by Bank
Smart retries
Failed collections retried at the optimal time
Live reconciliation
Every payment matched and settled automatically
Outcome-driven
Methods switched dynamically to maximise collection
Act

Proactive engagement, fairer outcomes

Automated collections, hardship and forbearance workflows that detect early-warning signals and intervene with the right support — treating every customer fairly.

Early warning
Risk signals detected before a payment is missed
Automated workflows
Collections and hardship journeys triggered automatically
Treating customers fairly
Forbearance options offered with the right tone
Multi-channel
Reaches customers across the channels they use
Performance

Portfolio intelligence, continuously surfaced

Aggregated insight across the full customer lifecycle — dashboards, risk signals and strategy recommendations that update from live performance, from origination to settlement.

Live dashboards
Built and updated automatically — no manual reporting
Cohort analysis
Risk concentrations and opportunities surfaced
Strategy recs
Threshold changes recommended from real data
Full lifecycle
Origination to settlement, in one view
Built for developers

One API. Every capability.

Connect once and access the whole platform — data, decisioning and payments — through a single, well-documented REST API with webhooks and SDKs.

Talk to our team
# Decision in one call
POST https://api.likuid.ai/v1/decisions
{
"applicant_id": "app_8f3k2",
"amount": 2000,
"term_months": 24
}
→ {
"decision": "approve",
"confidence": 0.94,
"latency_ms": 1400
}

See the whole platform in action.

Book a walkthrough and we'll show you risk and payments working as one — on your use case.

Book a demo