Evaluating Prism?
See how Pave compares.
There's a better way to scale risk decisioning. One frozen cashflow score has to carry eight different decisions. Pave gives each decision its own model, trained on your tape. You keep the data feeds. We replace the model.
Live in production with lenders since 2021, across use cases including BNPL, cash advance, small-dollar, and installment, and more.
.avif)
.avif){kind=logo}
.avif)
.avif)
%20(4).avif){kind=logo}
.svg){kind=logo}
Why risk teams choose Pave over Prism
Risk teams outgrow one frozen score when it stops carrying every decision they make.
A model per decision
Approve, limit, price, retime ACH, prioritize collections: each decision gets its own model instead of one generic score stretched across all of them.
Trained on your tape
Models learn from your borrowers, your product, and your outcomes, not a pooled dataset of someone else's book.
Continuous versioning
Every model is versioned, monitored for drift, and shadow-tested in production. You see what changed and why.
Full lifecycle, one contract
Score at origination, monitor mid-loan, retime ACH, and prioritize collections on the same feed, at one volume-based price, not a per-pull line item per decision.
Full transparency, no black box
Audit-ready model cards, exportable explanations, and MRM artifacts, so nothing about your models is hidden.
A fast MRM path
Pave ships the same MRM artifacts you already review (model card, validation report, fair-lending tests, monitoring plan), plus the underlying weights. More documentation to work through, not less.
The challenge with one frozen score
A single cashflow score was the right answer in 2018. But one score assumes there's one decision to make (approve or decline) when your risk team actually makes eight, each with a different payment obligation and a different risk question.
One model, one target
The same score underwrites a $200 cash advance and a $20k installment loan. Same target, same blind spots.
Built for origination only
A generic score is priced and tuned for one decision call per applicant, with nothing built around limit-setting, ACH timing, monitoring, or collections.
A score you can't tune
You take the number. You don't tune the target to your portfolio, and a score trained across all lender types isn't optimized for your borrowers or your outcomes.
A model for every decision
Your risk team needs one for every decision. Instead of stretching one score across every call, Pave gives each decision its own model, so you run a waterfall of decisions, each one optimized for what it is actually deciding.
01
Underwriting
A model tuned to default risk on the exact product you're approving, not an average across every loan type.
02
Credit limits
Set lines against loss-adjusted revenue, so you grow the right accounts without growing losses.
03
Loan pricing
Price to the expected return on your book instead of a generic risk band.
04
ACH timing
Score return-on-debit risk to time each pull and cut returns before they happen.
05
Portfolio monitoring
Read roll-rate signals mid-loan so shifts in risk show up early, not at charge-off.
06
Collections
Prioritize by recoverable balance so your team works the accounts most likely to pay back.
Performance compounds with every risk event on the network
Over 1 billion monthly transaction and outcome events feed back into our models, resulting in sharper categorization, attributes, and scores. Every risk event on the network makes the next decision more accurate, including yours.
1B+ monthly transaction and outcome events continuously feed the models.
Sharper over time. Categorization, attributes, and scores keep improving as the network grows.
A custom score built around your book
We build a custom score around your borrowers and the specific risk event you're underwriting: no black box, no one-size-fits-all.
Built on your borrowers and your outcomes, not a pooled average of someone else's book.
Tuned to the specific risk event you're underwriting, not one generic score stretched across every decision.
We become an extension of your risk team
We watch the lift, spot drift early, tune thresholds, and ship new versions, always finding ways to improve performance before you have to ask.
We watch the lift and catch drift early, flagging it before it costs you.
We tune thresholds and ship new versions for you: proactive improvement, not a support ticket.
Built for your risk team
Everything you need to move fast, and to prove it in review.
Audit-ready model cards
Validation reports and monitoring plans that map to your existing MRM process.
Exportable explanations
Feature importances and reason codes you can hand to auditors and regulators.
Fair-lending / disparate-impact testing
Built into every model delivery.
Per-decision ML models
Underwriting, limit-setting, ACH timing, and collections, each with its own target.
Score return-on-debit risk to time collection pulls for recovery.
Score return-on-debit risk to time collection pulls for recovery.
Drift monitoring
Know when a model moves and why, with version history you can see.
Tim Yelchaninov
Founder and CEO, True Financial
Get started
Get your free demo
See how Pave builds a custom score around your book and the specific risk events you're underwriting. Bring your loan tape and we'll show you the lift on your own borrowers.
Results in 5 business days
SOC 2 Type II
Your Prism contract stays in place