What is Relay
Intercept Intent
Capture users the moment they are declined and present relevant alternatives before intent disappears.
Monetize EveryCredit Moment
Relay turns credit intent into revenue by matching users with the right lending partners at the right moment.
What is Relay
One Engine. Two Revenue Paths.
Relay sits between users with credit demand and a network of licensed lenders, intelligently routing each user to the most relevant offer and creating revenue opportunities for every participant.
Stay In-App
Embed recommendations directly into your existing user journey while keeping users inside your ecosystem.
Monetize Safely
Compliance, anti-fraud, and frequency controls are managed by Relay.
What is Relay
Turn Rejections Into Revenue
Relay sits between users with credit demand and a network of licensed lenders, intelligently routing each user to the most relevant offer and creating revenue opportunities for every participant.
Integration Options
Deploy in Days, Not Months
Push / SMS
Reach declined users through push notifications or SMS with no app changes required.
In-App Entry
Add a Relay entry point anywhere in your existing product experience.
WebView Embed
Embed the complete Relay experience and maximize engagement and conversion.
For Internet Platforms
Unlock Credit Revenue Without a Lending License
Managed Credit Channel
Offer credit products without managing lenders, compliance, or underwriting.
Context-Aware Triggers
Surface offers when users are most receptive and ready to act.
Risk-Free Participation
Earn revenue through distribution while Credit Kernel operates the lending infrastructure.
How It Works
Three Steps from Intent to Revenue
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01
Intent Detected
A user expresses credit demand through an application, payment event, or browsing behavior.
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02
AI Matching
Relay evaluates the user's profile and identifies the most suitable lending options.
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03
Revenue Generated
The user completes the journey and revenue is shared across the ecosystem.
FAQ
Common Questions
Is Relay suitable for platforms without a financial license?
Yes. Relay operates as the regulated layer between your platform and licensed lenders. Partner platforms act as distribution channels and do not take on lending or compliance obligations.
How long does integration take?
The simplest integration — a link in an SMS or push notification — can go live in under a day. A full WebView integration typically takes one to two weeks of engineering time.
How is user data handled?
Relay operates under strict data minimization principles. User data is processed solely for matching purposes and is never sold to third parties. We comply with local data protection regulations in every market we operate.
Which markets does Relay support?
Relay is currently active in the Philippines and Mexico, with expansion into additional markets underway.
Can we filter out competitor brands from appearing?
Yes. Partners have full control over which lenders and brands appear in their recommendation layer, including the ability to block competing products.
How does the revenue model work?
Revenue is performance-based — you earn when a matched user completes an application. The exact structure is tailored to your platform and traffic profile during onboarding.