A portable financial identity for cross-border credit evaluation

Preserve the evidence. Clarify the interpretation.

A source-country bureau score has meaning within its original range and market. GCP is being designed to preserve that context while organizing underlying evidence in a structure a destination-market institution can review. Scores from different countries should not be treated as interchangeable.

The proposed evidence model

• Identity and consent: applicant permission and the purpose of access.
• Financial evidence: authorized sources, subject to provider access and permitted use.
• Normalization: consistent organization with traceability to source records.
• Risk intelligence: observed factors, coverage and confidence.
• Sharing: purpose-specific access and its applicable terms.

Coverage depends on the proposed corridor

Data availability varies by country, provider, applicant and permitted use. Specific corridors and integrations are not represented here as currently available. A pilot discussion begins by establishing what evidence can lawfully and reliably be obtained.

The lender retains the decision

GCP is intended to support institutional evaluation. It does not promise credit approval or replace a lender’s policies, eligibility rules or final decision. Product scope and permitted use require assessment for each jurisdiction and institution.