Money can't buy happiness, but it can save a life.
KAIRO is the early-detection layer for consumer credit hardship. We detect the behavioral signals that appear 60 to 90 days before delinquency. We recommend. The institution decides. Every signal and decision is recorded.
Existing detection tools are 90 days behind the signal.
Existing tools at banks are batch-based. They were built for quarterly capital planning, not real-time intervention. By the time those systems register hardship, the loss is already 90 days in motion. The customer asking for help today is the customer being routed to collections tomorrow.
Detection. Translation. Response.
Detect
Behavioral signals classified in near-real-time. Payment pattern shifts. Income anomalies. Disclosed hardship in customer service logs.
Translate
Signals mapped to your existing hardship program eligibility framework. Configured with your compliance and legal teams.
Respond
Cases routed into your existing workflows with a compliance-grade audit trail. The institution decides. Every signal and decision is recorded.
KAIRO recommends. The institution decides. Every signal and every decision is recorded.
Built for Heads of Collections, Default Management, and Hardship Program leaders.
Head of Collections workspace. Real case review.
Platform overview. Credit live. Housing next.
In active build.
Founded June 2026. Clickable prototype live. Customer-discovery conversations underway with card issuers and consumer lenders. Pilot conversations beginning Q3 2026.