01 • Product purpose

Create a risk-free decision layer between consumers and lenders so people can compare simulated approval odds before initiating a potentially score-impacting application.

02 • Consumer promise

Reduce rejection anxiety, avoid blind applications, explain risk in plain language, and never present a model score as guaranteed approval.

03 • Bank value

Demonstrate a consent-based acquisition funnel that could route qualified, high-intent borrowers to suitable lenders with less marketing waste.

04 • Privacy boundary

The demo backend receives only FICO score, utilization, category, and lender model. It does not request identity documents, SSNs, credentials, or full credit files.

05 • Decision pipeline

Marketplace selection → POST validation → lender-specific weighted simulation → green/yellow/red classification → tailored guidance → clear lender-response status cards.

06 • Integrity rule

All lender names and illustrative rewards are used for prototype demonstration. No lender sponsors this experience, no live bank API is contacted, and official terms must be reviewed before applying.