Your credit score, without the guesswork.

Get a clear picture of your financial health using your own bank statements. Fast, fair, and secure.

Your unique bank drop-off address Copied to clipboard!

Copy and paste this address into your banking app when requesting your statement.

01. Setup

Get your private drop-off address.

Enter your email above to generate a unique, secure routing address. This acts as a private inbox specifically for your financial data, keeping your primary email clean.

02. Transfer

Send directly from your bank app.

We don't need your bank passwords and we don't screen-scrape. Simply open your banking app and request your recent statement to be sent to your new drop-off address.

03. Result

Instant, verified credit scoring.

The moment the email arrives, our engine cryptographically verifies it came from your bank and instantly delivers a simple, easy-to-understand credit report to your real inbox.

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Frequently Asked Questions

What is Axya?
Axya is a credit engine that generates a secure, unified financial profile and score using your actual bank statements, rather than relying on outdated credit bureau records.
How does the bank statement integration work?
Enter your email to generate a secure drop-off address. Then, simply open your banking app and set up a transfer to send your recent PDF statement directly to that address.
Do I need to provide my bank password?
No. We never ask for your bank passwords or login credentials. We do not use screen-scraping apps that connect to your account. You remain in total control of the data you share.
Is my financial data secure?
Yes. When your statement arrives, our engine cryptographically verifies it came directly from the bank's secure servers using DKIM headers, ensuring your data is authentic and completely unaltered.
How long does it take to get a score?
It is completely instantaneous. The moment your bank's email drops into your unique Axya address, our engine parses the data and returns your comprehensive report within seconds.
Does this affect my traditional credit score?
No. Axya analyzes your cash flow and financial health independently to give you an accurate representation without ever triggering a hard inquiry on your traditional credit file.