---
title: "Rubyx: Loan Software, Credit Scoring and APIs"
description: "Build, launch and manage digital loan products. Alternative-data credit scoring, APIs for embedded lending, CRM/core banking, BI & collections."
canonical_url: "https://liners.com/rubyx"
markdown_url: "https://liners.com/rubyx.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/rubyx/screenshot.webp?v=1778017602505"
published_at: "2026-05-12T16:35:04.394Z"
updated_at: "2026-10-04T03:01:46.827Z"
---

# Rubyx: Loan Software, Credit Scoring and APIs

Build, launch and manage digital loan products. Alternative-data credit scoring, APIs for embedded lending, CRM/core banking, BI & collections.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Rubyx](/rubyx)

## Summary

Build and run digital loan products with alternative data

A data-driven digital lending platform for banks, MFIs, fintechs, and marketplaces, offering credit scoring, core banking, CRM, analytics, and APIs for embedded lending.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.rubyx.io/ |
| Tagline | Build and run digital loan products with alternative data |
| Primary country | Senegal |
| Platforms | Web, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Rubyx is a data-driven cloud platform for financial institutions and digital platforms that need to build, launch, and operate digital lending products for MSMEs and end customers.

Key capabilities include:
- **Credit scoring with alternative data** that turns digital channel activity into **behavioral analytics**, daily scores, and **risk bands**, supporting configurable eligibility rules and offer parameters.
- **Embedded lending via APIs**, enabling B2B2B/C partnerships where third-party platforms can integrate credit scoring, personalized loan offers (based on business rules), and loan servicing into their user journeys.
- **Core lending operations tools**, including **CRM for financial institutions** and a **core banking system** for loan creation, disbursement recording, and portfolio management.
- **BI and performance monitoring** for tracking lending performance and operational metrics, plus **collections management** workflows such as repayment terms, notifications, and alerts.

Available on **Web** and via **APIs**.

Target users include **banks, MFIs, fintechs, wholesalers, and digital marketplaces** that lend to MSMEs or embed credit into merchant and consumer experiences.

Notable context: Rubyx reports operating across multiple African markets including Senegal, Côte d’Ivoire, Burkina Faso, Nigeria, Ghana, Cameroon, Madagascar, Tunisia, and Kenya, and publishes performance indicators such as **70k+ loans disbursed**, **8.4M end customers scored daily**, **€125M disbursed**, and **0.55% default (NPL > 90 days)**.

## Features

- [Fintech](/categories/fintech): Category
- [AI-Powered](/tags/ai-powered): Product feature or technology
- [Business Intelligence](/tags/business-intelligence): Product feature or technology
- [Credit Scoring](/tags/credit-scoring): Product feature or technology
- [CRM](/tags/crm): Product feature or technology
- [Burkina Faso](/countries/burkina-faso): Market
- [Cameroon](/countries/cameroon): Market
- [Côte d'Ivoire](/countries/cote-divoire): Market
- [Ghana](/countries/ghana): Market
- [Kenya](/countries/kenya): Market
- [Madagascar](/countries/madagascar): Market
- [Nigeria](/countries/nigeria): Market
- [Senegal](/countries/senegal): Market
- [Tunisia](/countries/tunisia): Market

## Related pages

- [Alternatives](/rubyx/alternatives)
- [Reviews](/rubyx/reviews)
- [Transparency](/rubyx/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/rubyx)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)