Based on AI technology, we develop the connection protocol as an effective tool, that automatically learns from user registration data, thereby providing a list of borrowers in accordance with interest rates and risks about the lender’s wishes.

For international remittance, the senders search the list of escrows, ranked by reputation score, from which to choose the right person or agent to make transaction.

Assessing and quantifying credit score and reputation score are very important to reduce bad debt and fraud risk. We develop a system of algorithms based on PageRank and HodgeRank theories. It learns from existing data to give borrowers credit scores, to rank escrows by reputation score. The basic idea of the AI-scoring this system is that a better profile and record, more confirmed transactions, more good ratings will get higher rankings, hence will have more opportunities to be selected for loan approval or for money remittance process.