Global LeadingTaaSProvider

TaaS — Tokenization as a Service

International AI solution provider, delivering

rapid intelligent decision services to enterprises worldwide.

International AI Solution Provider

Delivering Rapid Intelligent Decision Services to

Enterprises Worldwide

Learn more

Awards & Recognition

Foundational technical certifications

combined with multi-domain awards and recognition.

Learn more

Global Footprint

Our offices are spread across three continents, providing AI decision support to

multiple countries and regions worldwide.

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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 Platform

TaaS — Data Assetization × Millisecond Decisioning

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.

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

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 Global Fintech 250

2 consecutive years

KPMG 50 Leading Fintech Companies

9 consecutive years

Davos AI 50

2018

Cyberport Incubation Programme

consecutive

OASES Strategic Enterprise

Office for Attracting Strategic Enterprises, HKSAR

SRDI Little Giant Enterprise

national-level

CMMI-5CMMI-5 ISO 9001ISO 9001 ISO 27001ISO 27001 ISO 20000ISO 20000 ISO 27701ISO 27701
NEWS
IceKredit’s CGO Kong Chinang Joins GrabX & AI Forward Summit in Jakarta, Advocates Tripartite Collaboration for Responsible AI in ASEAN Jakarta, Indonesia – At the inaugural AI Forward: Southeast Asia Policy Summit hosted by Grab and ASEAN BAC in Jakarta, Mr. Kong Chinang, Chief Growth Officer of IceKredit, shared insights on Southeast Asia’s AI revolution and called for stronger reg 2026-05-08 3rd Regional Asian Post Alliance (RAPA) Meeting Concludes in Hanoi, Focused on Cross-Border Retail Cooperation and Digital Innovation Hanoi, Vietnam – March 25, 2026 – The 3rd Regional Asian Post Alliance (RAPA) Meeting concluded in Hanoi, Vietnam, under the theme “Transforming Retail Through Cross-Border Collaboration.” Representatives from the postal authorities of Vietnam, Thail 2026-05-07 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 Witnesses by Deputy Prime Minister of Singapore : IceKredit and Singapore University of Technology and Design Collaborate on Ami Games to Identify Alzheimer's Disease In response to this need, IceKredit and SUTD's Professor Qiu Huijuan's team have collaborated to develop Ami, a unique game product that assists medical personnel in identifying early dementia through scientific data. The game, which is played in a r 2023-10-02 IceKredit Makes Top 12 Shortlist in Monetary Authority of Singapore’s Global FinTech Hackcelerator 2023-09-06 IceKredit Secures Third Prize in Global AI Drug R&D Algorithm Contest, Showcasing the power of ‘AI for Science’ 2023-08-31 IceKredit cooperates with Luso International Banking Ltd. to empower cross-border e-commerce financing Based on leading artificial intelligence and big data technology, IceKredit combines the data of cross-border trade merchants on the platform to conduct intelligent analysis, such as operations, transactions, warehousing, import and export, breaks da 2023-03-28 IceKredit signs cooperation agreement with Cambodian Super-app WOWNOW According to the characteristics of the Cambodian market, IceKredit will integrate the data of WOWNOW's multiple business sectors, and provide an intelligent risk control solution based on the e-commerce platform. 2023-03-27 IceKredit Successfully Hosted WAIC2022 "AI Assembles Cohesion for Financial Digitalization" The forum invited academicians of the Chinese Academy of Engineering, experts of research institutions, leading figures in the scientific and technological circles, banking, insurance industry and other financial circles. 2022-09-02 IceKredit Invests In LoanCloud, Accelerating Its Global Expansion IceKredit and LoanCloud will utilize their unique competitive advantages to develop more sophisticated AI technologies and apply them to customer acquisition and risk managementfrom these areas to fintech markets in developed countries in the future. 2022-02-01 IceKredit CEO Lingyun Gu Honored Harvard Business Review Ram Charan Management Practice Awards the Awards represent the most prestigious management awards and recognize companies and leaders that are the most innovative in management practice in China by experts voting. 2021-11-04 Why fintechs should embrace regulation China’s SME market offers huge opportunities, says IceKredit founder 2021-05-02 Smaller banks co-building risk management capabilities with tech firms Icekredit has recently acquired 228 million yuan (US$35 million) in Series C2 funding. 2021-04-13 IceKredit Raises $35 Million with Guochuang Zhongding as lead-investor in Series C2 Funding This funding is going to be used to expand R&D team, merge upstream and downstream flow, and improve the company's ecological construction and business layout. 2021-04-03 Quasi-unicorn IceKredit aims to leverage AI in becoming China’s FICO IceKredit would be an independent third-party credit risk assessor. The company would never sell data and would always be technology-first. 2019-01-24 IceKredit Nominated as one of the “CB Insights Global Fintech 250” for Two Consecutive Years The Fintech 250 list published by CB Insights is one of the most influential fintech rankings in the world. As an honored member for the second year, IceKredit is well-recognized by international authoritative research institutions. 2018-12-13 China Wants To Rate People’s Credit With Online Data, But Misuse By Companies Is Rampant Dr. Gu spoke to Forbes about the intelligent risk control industry in China. 2016-07-12
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 India Vietnam Philippines Indonesia Australia Mexico USA Singapore Thailand
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.

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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

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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