Every year, 6+ million people relocate internationally for work, study, or lifestyle. Their credit histories remain trapped in their home countries, forcing them to rebuild financial reputations from scratch.
NeoCred is changing this. We're building the infrastructure to make credit history portable across borders, creating opportunities for individuals, banks, and businesses worldwide.
NeoCred solves the global mobility credit problem by making credit history portable across borders. We enable individuals, banks, and businesses to make informed financial decisions regardless of geographic boundaries.
Users authorize and verify their identity through our secure, GDPR-compliant platform. Complete transparency and user control over their data.
Secure gathering of credit bureau data from home countries. We access verified financial histories through planned partnerships with international credit agencies.
Advanced algorithms normalize scores across different credit systems and economic contexts. Our planned AI will understand cultural and economic differences in financial behavior.
One unified, comparable credit profile recognized internationally. Banks and lenders worldwide can instantly understand creditworthiness regardless of origin country.
Unlike competitors, we provide clear methodology and processes. No black box algorithms.
Built for international use from day one, not adapted from domestic solutions.
Advanced normalization across different credit systems and economies.
Serves all stakeholders - individuals, banks, businesses - in one integrated platform.
NeoCred serves the entire global mobility ecosystem with tailored solutions for individuals, banks, and businesses.
We know how frustrating it is to be rejected for credit cards and loans just because you're new to a country.Your good credit should follow you anywhere.
Skilled professionals relocating for career opportunities who need immediate access to premium financial products.
Location-independent professionals who work while traveling and need flexible financial solutions.
Graduate students and academics pursuing opportunities abroad who need financial services for their journey.
Talented individuals in healthcare, technology, and engineering moving through skilled worker programs.
Built with enterprise-grade security and advanced AI to handle the complexity of global credit systems.
Our planned AI system will understand the nuances of different credit scoring systems across multiple countries, normalizing scores to create truly comparable profiles regardless of origin.
We factor in economic conditions, cultural differences in financial behavior, and regional variations to provide accurate risk assessments.
Our models continuously improve by learning from new data patterns, regulatory changes, and market dynamics across different countries.
AES-256 encryption for data at rest, TLS 1.3 for data in transit, and zero-knowledge architecture ensuring we never see your raw financial data.
Independently audited and certified for security, availability, processing integrity, confidentiality, and privacy controls.
Complete logging of all data access, user actions, and system events with tamper-proof audit trails for regulatory compliance.
Target market coverage with direct credit bureau integrations by 2028
Target API response time designed for real-time credit verification
Target uptime SLA with planned global redundancy and failover
NeoCred is positioned at the center of the largest demographic shift in history, serving the global mobility market with unprecedented scale and efficiency.
"I moved from London to Singapore for work and was shocked when my UK credit history meant nothing. NeoCred could change everything - getting approved for a premium credit card within days of landing."
"As a regional bank, NeoCred could be transformative. We could increase our approval rates for expat customers while reducing default rates through better risk assessment."
"HR teams could gain confidence in hiring international executives with proper financial background verification, making informed decisions about key hires."
Built to exceed international regulatory standards with comprehensive compliance across all jurisdictions.
Full compliance with EU General Data Protection Regulation, including data portability, right to erasure, and explicit consent protocols.
Follows Fair Credit Reporting Act guidelines for employment screening with proper adverse action procedures and consumer rights protection.
Adherence to ISO 27001, PCI DSS, and local data protection laws across all 50+ supported countries and jurisdictions.
We're not just solving today's credit portability problem - we're building the infrastructure for a truly borderless financial future.
A world where your financial reputation is truly global, recognized and respected across all countries and financial institutions.
Seamless integration with banks, lenders, employers, and service providers to create a comprehensive mobility ecosystem.
Advanced predictive analytics that help individuals optimize their global financial health and help institutions make smarter decisions.
Regulatory partnerships, pilot credit bureau integrations, compliance framework development (5-10 key markets)
Core platform launch, AI normalization engine, real-time verification system (20+ countries)
Global financial passport, predictive creditworthiness, cross-border lending (50+ country coverage)
Whether you're an individual, bank, or business, NeoCred has the solution to make global mobility seamless and profitable.
Take your credit history anywhere. Get approved for financial products in days, not months.
Turn international unknowns into qualified customers. Reduce defaults, increase approvals.
Free pilot • 30-day trial • Integration support
Make informed decisions about international hires, tenants, and partners.
GDPR compliant • Pay per use • No setup fees