GLOBAL · AI · DATA · DECISIONING

Global LeadingTaaSProvider

TAAS — Tokenization as a Service

International AI solution provider delivering rapid intelligent decision services to enterprises worldwide — transforming raw data into standardized decision features at millisecond response, powered by our fully proprietary APaaS platform.

TaaS Data Assetization
Millisecond Intelligent Decisioning
Compliant Global Deployment
0+Institutions
0M+Daily API Calls
0M+End Users
0Global Offices
AI PRODUCT

TaaS Core & Multi-Sector Product Map

Data assetization plus millisecond intelligent decisioning — 20+ productized AI solutions spanning System, Model, Agent and Data, with custom builds on demand.

TaaS — Data Assetization × Millisecond Decisioning

Global institutions face data silos, low decision-making efficiency and high labor costs. IceKredit transforms massive raw data into standardized decision features and delivers millisecond-level intelligent decisions covering the full industry chain — driving efficiency improvement and operational cost reduction through data assetization.

Intelligent Decision Engine Giant Analytics Modeling Platform Federated Learning Data Metrics Management Knowledge Graph Engine API / Localized Deployment
TaaS Platform
Raw Datamassive, multi-source, heterogeneous
TaaS Assetizationstandardized decision features
Millisecond Decisioningfull-chain, real-time

System

DIGITAL LENDING PLATFORMS
  • One-Stop Platform & App Customization (LoanCloud)
  • EN / 中文 / Tiếng Việt / Bahasa / हिन्दी / ไทย
  • Big Data Management Platform
  • IceKredit Decision Engine

Agent

PLATFORMS
  • AI Marketing — Agent & alt-data driven precision reach
  • AI Customer Service — best practices in every interaction
  • Remarketing & Re-Activation propensity

Model

ML + ALTERNATIVE DATA
  • IceKredit Scores — better approval decisions
  • Pre-screening Tools — save lead cost
  • Customized Models Lab (full workflow)
  • Limit Setting · Behavior · Retention Models
  • China · USA · SEA · Nigeria coverage

Data

STANDARDIZED API PRODUCTS
  • Enterprise Products — wide, detailed, logical
  • Personal Products — rich dimensions, high value
  • Duration-of-Being-Online · Screening Lists
  • OCR · Face Compare · Liveness Detection
  • 13+ countries served via API

Onboarding

Fast digital onboarding with eKYC and verified identity — fewer manual checks, higher approval conversion.

Underwriting

Approve more qualified borrowers by evaluating true affordability with payment history from third-party payment institutions.

Engagement

Ongoing behavior insights keep the customer view fresh, enabling timely and relevant offers.

Growth

Boost utilization and lifetime value by increasing limits for customers with proven spending capacity.

AWARDS

Trusted Certifications, Industry Recognition

Foundational technical certifications combined with multi-domain awards and recognition.

CB Insights

CB Insights Global Fintech 250

2 consecutive years

KPMG

KPMG 50 Leading Fintech Companies

9 consecutive years

World Economic Forum

Davos AI 50

2018

Cyberport

Cyberport Incubation Programme

consecutive

OASES

OASES Strategic Enterprise

Office for Attracting Strategic Enterprises, HKSAR

Certifications

CMMI-5 ISO 9001 — Quality Management ISO 27001 — Information Security

Regulatory-grade quality and security standards underpin every product we ship — with privacy-compliant data governance for global deployment.

News
IceKredit’s CGO Kong Chinang Joins GrabX & AI Forward Summit in Jakarta, Advocates Tripartite Collaboration for Responsible AI in ASEAN 2026-05-08 Read More 3rd Regional Asian Post Alliance (RAPA) Meeting Concludes in Hanoi, Focused on Cross-Border Retail Cooperation and Digital Innovation 2026-05-07 Read More IceKredit Signed a contract with ACLEDA Bank for Advanced Financial Solutions Drawing on digital technologies such as artificial intelligence, big data, and cloud computing, IceKredit will tailor advanced strategies, including probability of default (PD), exposure at default (EAD), and loss given default (LGD), to develop a co 2024-02-02 Read More
Global

Global Footprint — Offices & Market Coverage

Offices across three continents, powering AI decisioning for institutions in the United States, China, Mexico, Indonesia, Vietnam, Philippines, Thailand, Cambodia, Nigeria, Saudi Arabia, UAE and India.

China
Philippines
India
Thailand
Vietnam
Singapore
Indonesia
Australia
U.S.A
Mexico
About

Intelligent Decisioning Powering Global Enterprises

Founded in 2015, IceKredit builds AI-driven decision infrastructure for financial services, insurance, internet platforms, supply chain & trade, and public-sector clients globally — serving clients across banking & insurance, government, healthcare, education, satellite, gaming and more.

Key Differentiators

  • Fully proprietary APaaS engine — millisecond-scale response
  • Multi-sector coverage: banking, insurance, healthcare, public sector
  • Thousands of validated alt-data sources for thin-file segments
  • ISO 27001 certified, privacy-compliant global deployment

Talent & Innovation

  • 200+ Data Scientists · 50+ PhDs on staff
  • 15+ Professor Consultants · 30+ Research Patents
  • Joint research labs with top universities in the U.S., Singapore and China

Core Team

Dr. Lingyun Gu

Founder & CEO — Los Angeles

Ph.D. Computer Science, Carnegie Mellon. Former Founder & Modeling Lead, ZestFinance; EIR at IDG Capital & Merrill Lynch. HBR Ram Charan Award; Top 200 Global Science Entrepreneurs.

Wan Duan

COO — Hong Kong

Peking University (Guanghua) & UC Berkeley. 10+ years building overseas data products at global scale; leads global operations.

Chinang Kong

CGO — Singapore

Managing Partner, Kota Capital Advisors; former Senior MD Pepper Global (KKR); former Partner Deloitte UK. FCA (ICAEW).

Jim Costello

CSO — New York

Former CEO of HSBC Life China; 20+ years senior leadership at HSBC across Asia & U.S.; Founder, Ready Group.

Dr. Betley Heru Susanto

Senior Advisor — Indonesia

Ph.D. Strategic Management; CEO & Founder, Skyworx Indonesia; 20+ years in banking technology, AI and lending decisioning platforms.

Somkrit Krishnamra

Senior Advisor — Thailand

Former Partner, Deloitte SEA; Regional Financial Services Industry Leader; 25 years across UK & Southeast Asia. FCA (ICAEW).

Start Your TaaS Journey with IceKredit

Discover how IceKredit TaaS helps your institution achieve data assetization, efficiency gains, and cost reduction.

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IceKredit TaaS