Oraculi decision models is made up of the settings for the model itself, which comprises of the decision modules and the offer settings. The other group of settings are individual settings for each of the decision modules.  

These checks used to determine a user’s eligibility are displayed under a user’s loan profile as Decision Data

Decision model settings handle the entire module checks while the offer setting handles the loan offer presented to users after passing the checks.

Decision modules

Decision modules are system level components for implementing risk settings for a product. The following are the available options within Oraculi.

KarmaThis module taps into one of the largest private blacklist databases of bad actors and chronic defaulters. It protects billions of loans for lenders each month.


Karma can be configured to check emails, phone, BVN, IP addresses etc.


This is available free of charge to Lendsqr lenders and is available over APIs for non-Lendsqr lenders.

EcosystemEcosystem is the module that checks the entire Lendsqr data ecosystem to see if a borrower meets certain criteria during decisioning. Ecosystem uses the BVN as the primary key for looking up this data. Basically, it checks the borrower’s activity with other lenders on the Lendsqr data ecosystem.


For example, it can be used to find out if a potential borrower is owing other Lendsqr lenders.


This is similar to credit bureau data but on steroids.


Read more about the extensive Ecosystem data dictionary.

Ecosystem   is free for Lendsqr lenders and is available over APIs for non-Lendsqr lenders.
LociThis module allows a lender to write smart rules against high-speed velocity data of customers. For example, check instantly the number of times a borrower has made certain changes to their information like loan requests, net income etc.

Read more about the extensive Loci data dictionary with over 80 data points.

Loci is free for Lendsqr lenders but is available over APIs for non-Lendsqr lenders.
ScoringThis is the traditional weighted and risk adjusted scoring method beloved by traditional risk managers where a lender can apply numeric weights and scores against data from customers. Lenders are able to use available data points within the loan request and other modules such as Ecosystem or Loci to make decisions.


For example, certain jobs could have higher scores.


Customers whose summation of different scores from various parameters are higher than the module’s threshold proceed to the next module.


Scoring is free for Lendsqr lenders but is available over APIs for non-Lendsqr lenders.

Credit bureauThis module allows a lender to get online real time data for anyone from any of Nigeria’s credit bureaus. A lender can configure a single or multiple credit bureaus to be searched at the same time.


We currently support the three credit bureaus in Nigeria - CRC, CreditRegistry, and First Central (formerly XDS).


This is available for a fee and is charged per use.

Decision model settings

The decision model setting is the high-level setting used to specify how the entire model will act. Within the decision model setting, you can; 

  • specify the sequence of the modules which is the order in which the checks occur

  • specify key attributes of the modules. For example, the minimum amount for your scoring module cut-off

  • set the continue on failure condition to true or false for each module. For example, If set to false and a user fails that check, they will not proceed to the next check etc.