Permissioned workforce data supports faster eligibility, clearer limits and earlier risk detection.
Credit infrastructure for workforce platforms
Credit decisions built on verified work data.
PayGraph turns payroll, contract and payment signals into governed worker-credit decisions, employer exposure controls and portfolio intelligence.
Prototype metrics Synthetic records
184 msdecision time
100%reason-code coverage
78%automated decisions
Reference environment connected
Worker profile
Ana Silva
Independent contractor • United States • USD Verified monthly income$8,400
Contract tenure26 months
Active contracts2
Income volatility4%
Client concentration62%
Payment reliability98.4%
Simulate a live workforce event
Explainable decision
$4,900 approved line
96/ 100
Available
$2,800After current utilizationOutstanding
$2,100Preserved after freezeRisk band
LowCurrent lifecycle state Why this decision?
PG-US-IC-1.4- Verified income exceeds the $6,000 product floor.
- 26-month tenure exceeds the 6-month minimum.
- 98.4% payment reliability supports Low risk.
- 38.9% proposed payment-to-income remains below the 45% cap.
Policy revised 26 Aug 2026 •
min(income capacity, contract cap, product cap)Interactive policy simulator
Change the workforce signals
$2,000$20,000
1 month48 months
Stable60%
Active contract statusLifecycle status immediately controls availability
Live decision exchangesnapshot
POST /webhooks/deel
{ "id": "snapshot_deel_01J8K2ZZ", "type": "worker.credit_profile.synced", "api_version": "2026-01-01", "created_at": "2026-09-01T10:12:18Z", "data": { "contract_id": "ct_9f27a", "worker_id": "wrk_ana_01", "amount": 8400, "currency": "USD", "contract_status": "active" }, "verification": { "header": "X-Deel-Signature", "algorithm": "HMAC-SHA256", "verified": true } }
HMAC verified • idempotency enforced • 184ms illustrative latency
Decision lifecycle
Profile synchronized12 months of contract and payment history
Decision completedPolicy PG-US-IC-1.3 • Low risk
Portfolio intelligence • Live prototype
See exposure change when work changes.
Payments, income volatility and contract events update limits, expected loss and the review queue from the same decision record.
Synthetic cohort • 24 workersMonitored exposure$31,60024 workers • 3 countries • 4 employers
Event feeds currentExpected loss2.61%$824 modeled
Available commitments$46.9KApproved capacity
Alerts requiring review43 income • 1 contract
Exposure by risk band
Low63%
Medium25%
Elevated12%
Four-week exposure trend
W1W2W3W4
Early-warning queueIncome volatility rose above 20% for 3 workers; one contract termination requires exposure review.
4 openIllustrative business case
A new revenue line, funded by lending partners.
Deel provides permissioned workforce data and distribution. Licensed partners provide capital and own the credit risk. Adjust the assumptions to test the opportunity.
Deel does not fund the loansCapital, underwriting responsibility, licensing and servicing remain with regulated partners.
100K1M
$500$10K
10%80%
Monthly utilized portfolio$600,000,000Contractors × line × utilization
Annual originated volume$2,400,000,000Assumes four portfolio turns per year
Potential annual Deel revenue$36,000,000Illustrative 1.5% lender-paid share
Deel balance-sheet credit risk$0Under the proposed partner-funded model
Scenario only; not a forecast of Deel revenue. The model excludes operating costs, lender losses, eligibility rates and market-specific restrictions.
Strategic window
Workforce platforms already own the signal. The credit layer is the next decision.
Verified contracts, payroll and payment history create an advantage traditional lenders cannot reproduce at application time. PayGraph turns that data advantage into a controlled business.
Partner-funded products can deepen worker value without placing consumer credit on the platform balance sheet.
The decision core, reference connector, portfolio view and operating boundaries are already demonstrated.
Leadership decisionBuild from zero, partner with the platform, or bring the capability in-house.
The working system makes the technical, commercial and operating trade-offs reviewable now.
System architecture
Connect workforce data to regulated credit.
PayGraph runs the decision and monitoring layer. Licensed partners provide capital, disclosures and servicing.
Workforce data
Payroll & HRDeel reference connector
Real-time eventsPayments • amendments • termination
PayGraph CreditOS
Workforce Credit ProfileVerified income and contract graph
Decision & Limit EngineEligibility • capacity • reasons
Portfolio IntelligenceExposure • events • early warnings
Financial products
Licensed lendersCapital and regulated servicing
Worker productsIncome lines • relocation • emergency
Operating boundaryPayGraph decisioningLicensed lender of recordDisclosures, servicing & reportingLicensing and product terms remain with the regulated capital partner in each jurisdiction.
Controlled launch path
Move from working proof to pilot in 90 days.
The sequence validates data and policy first, then introduces capital and customers inside explicit risk boundaries.
Decision core
Worker and employer decisions, reason codes, events, governance and portfolio impact.
Policy and data validation
Confirm source coverage, consent, eligibility rules, jurisdiction and risk appetite.
Partner and control readiness
Complete lender routing, disclosures, servicing boundaries and operational playbooks.
Controlled pilot
Launch a bounded cohort with approval, exposure, loss and customer-outcome reporting.
Operator evidence
“Transforming real-time workforce telemetry into governed, institutional-grade credit infrastructure.”
NB
Naveen Budda
Co-founder & CPTO, KarmaLife
- Built AI-native credit infrastructure supporting 2M+ gig and blue-collar workers
- Led product, engineering and risk systems across employer and NBFC programs
- 20+ years across AI/ML, underwriting, portfolio analytics and regulated fintech