For lenders & factoring
The document your decision depends on.
Invoices, bank statements, contracts — your decisions rest on documents someone else produced. Nio is being built to show which ones deserve a second look, and why. In development — not yet available.
01 — The exposure
Factoring advances cash against a PDF. Lending prices risk from bank statements. A convincing forgery now costs about a cent to produce — and the person reviewing it has minutes, not hours.
The hard cases aren’t crude fakes. They’re documents where everything almost checks out: the supplier exists, the amounts add up, and one detail — a legal form, an IBAN, an address — quietly disagrees with the registry. Deciding whether that’s growth or fraud is where losses are made and prevented.
02 — In your workflow
Between intake
and decision.
The intended workflow: documents flow to Nio through the API the moment they arrive, so that by the time an analyst opens the file, the score and its reasoning are already there — clean documents clear fast, and attention goes where the contradictions are.
- Clean documents clear without friction
- Contradictions arrive pre-explained, not just flagged
- Every decision leaves an audit trail
invoice_2026-0912.pdf
Analysing…
Illustration — the explanation output Nio is designed to return.
03 — Why it fits
01
Your language
Findings are to reference the things your analysts already check: registries, IBANs, legal forms, invoice logic — not abstract model confidence.
02
Your thresholds
The score feeds your policy. You choose what auto-clears, what queues for review, and what escalates.
03
Your regulator
When a decision is questioned — by audit, by a client, by a court — the reasoning is written down, per document, from day one.
In development. Bring your document flow — we’ll walk the approach on worked examples.