Brazil's most accurate credit engine

As a market leader, GUARD generates an optimized credit limit by combining low default rates with high engagement

Infrastructure built with best-in-class technology

Credit analysis powered by continuous learning

GUARD is a credit engine that learns from real-world data to generate more accurate and granular decisions, especially for 'invisible' customers who are underserved by the traditional banking system

Data Collection

Traditional, alternatives and behavioral

Intelligent Processing

Machine Learning trained with +100,000 real customers

Optimized Credit Analysis

Responsible approval, reducing defaults

Custom Limit Setting

Maximize engagement and usage

Predictable and scalable operations

With GUARD, you get higher approval rates and lower default rates—and credit limits that engage

Low defaults rates​

30% below market

Engaged and loyal customers

75% average credit limit utilization

High conversion

92% of customers with first purchase within 7 days

Simple, real-time API

GUARD's API integrates easily with your strategy to revolutionize your credit analysis process.

Technology designed to deliver credit decisions in seconds

Flexibility to be used as the sole decision driver or as the main strategy within your existing credit policies

Integrate GUARD's intelligence into your operations

Transform complexity into precision. Discover how GUARD™ can boost your business growth.