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Partner programme — accepting 5 MFBs for Q1 pilot

Credit intelligence for the invisible economy.

Nigeria's social commerce is a ₦2.5 trillion market growing ~35% a year. The sellers are creditworthy. They are simply invisible to traditional data sources. Mola scores them — you lend to them.

Request lender accessSee a sample report
₦0
to start — pay only on disbursed loans
< 10s
score delivered to your dashboard
4.7M
addressable sellers
Seller report · preview
MOLA-A8X42
Adaeze O.
Fashion · Surulere · 14 months active
724
TIER 4 · STRONG
Monthly revenue
₦1.84M
Income consistency
0.84
Unique buyers / 90d
312
Repeat buyer rate
41%
Safe loan size
₦520k
Confidence
89%
Why this score
Consistent income across 11 of last 12 weeks. Diverse buyer base. One small revenue concentration to monitor.
What you get

A full credit file on
sellers no bureau
can see.

The microfinance bank that can reliably score these sellers will access a credit market currently served by cooperatives and family borrowing. Lower risk than it looks. Larger than it is measured. Mola is your front door.

MolaScore for lenders
One lookup. Full breakdown. Under 10 seconds.
Pull a score from your lending dashboard or plug directly into your loan origination system. Every score comes with the reasons that moved it.
Seller · Adaeze O. · 2026-04-14
MolaScore724 / Tier 4Confidence89%Safe loan size₦520,000Flagsincome concentration
Alternative data signals
Income consistency, buyer diversity index, engagement velocity, posting regularity, GSI risk flags, and revenue concentration — beyond the headline score.
Portfolio monitoring
Track your Mola-sourced book in real time. Score changes, repayment alerts, and early delinquency signals stream into your credit team's dashboard.
Seller pre-qualification
Search the Mola seller database (with seller consent) by score range, business category, revenue tier, and location. Build a pipeline of qualified borrowers.
Repayment feedback loop
Report repayment outcomes to Mola; they flow directly into the scoring model. Sellers who repay on time build better scores. Your data improves the ecosystem.
Sample report

What a Mola lookup looks like on your credit team's screen.

The full response from a single /score/query call. Every field documented. Every reasoning trace retained for five years.

json
1{
2  "seller_id": "sel_a8x42",
3  "score": 724,
4  "tier": 4,
5  "tier_label": "Strong",
6  "confidence": 0.89,
7  "safe_loan_kobo": 52000000,
8  "safe_loan_display": "₦520,000",
9  "signals": {
10    "monthly_revenue_kobo": 184000000,
11    "income_consistency": 0.84,
12    "seasonal_cv": 0.21,
13    "unique_payers_30d": 94,
14    "unique_buyers_90d": 312,
15    "repeat_buyer_rate": 0.41,
16    "top_buyer_concentration": 0.12,
17    "ig_engagement_rate": 0.067,
18    "posting_frequency_7d": 14
19  },
20  "reason_codes": [
21    "INCOME_CONSISTENCY_STRONG",
22    "BUYER_BASE_DIVERSE",
23    "MINOR_REVENUE_CONCENTRATION"
24  ],
25  "computed_at": "2026-04-21T08:14:22Z",
26  "expires_at": "2026-04-28T08:14:22Z"
27}
Endpoint
GET /score/query · sel_a8x42
Why this score
Consistent income across 11 of last 12 weeks. 312 unique buyers over 90 days with a 41% repeat rate. One payer concentration above 0.12 to monitor — flagged but not disqualifying.
Field ranges
score300–850
tier1–5
confidence0.00–1.00
safe_loan_kobo₦ × 100
reason_codesstable enum
expires_atISO-8601
How it works

From signed MoU to first disbursement in two weeks.

01
Sign the partnership MoU
Standard agreement with data-processing addendum. Provides your lender_id and a scoped API key.
02
Integrate the lookup endpoints
POST /score/query, GET /sellers/{id}, POST /loans/disbursed. Ed25519-signed webhooks for score changes and repayment alerts.
03
Receive pre-qualified sellers
Seller-consented pipeline delivered to your credit team by filter: score range, category, revenue tier, location.
04
Disburse
Your credit team underwrites using Mola signals. Disbursement runs on your rails. Mola never touches funds.
05
Report repayment outcomes
POST /loans/disbursed at origination, POST /loans/repayment on every repayment event. Outcomes feed the training flywheel for every lender.
Lender pricing

Pay per lookup. Pay per disbursement. Nothing else.

No setup fee. No minimum commitment. You only pay when Mola delivers a score you act on — and a success fee on loans you actually disburse.

Setup fee
₦0
No onboarding cost.
Per lookup
₦350
Per /score/query call.
Success fee
1.5 – 3.0%
Of loan amount, on disbursement.
Lookup volume rates
1 – 500 /mo
₦350
501 – 2,500 /mo
₦300
2,501 – 10,000 /mo
₦250
10,001+ /mo
Custom
Summary pre-checks are free. Filter the Mola seller base by score range, category, and revenue tier at no cost — you only pay the per-lookup fee when you pull a full underwriting report.
Success fee tiers
Bronze
3.0%
Standard rate.
Silver
2.0%
≥ ₦500M cumulative disbursement.
Gold
1.5%
≥ ₦2B cumulative disbursement.
  • Paid once, on disbursement — never ongoing
  • Invoiced monthly · NGN, VAT included
  • Lookup fees waived if the seller is later funded
  • No success fee if you reject an applicant
  • No fee on rollovers, restructures, or top-ups
  • Outcome reporting required — flows back into scoring
Q1 pilot — five MFB partners
First five MFB partners onboarded in Q1 2026 receive: 1,000 free lookups / month for 6 months + 50% off success fees + dedicated integration engineer. In exchange, you contribute repayment outcomes to the Mola training dataset.
Apply to the pilot programme
Security & compliance

Your data, handled with the care it deserves.

Registered with the FCCPC as a credit intelligence platform. NDPC-accredited Data Controller. Every architectural choice in Mola traces back to a line in NDPA 2023, FCCPC DEON 2025, or NDPC GAID 2025.

BVN as a hash, not a number
We store SHA-256(salt + BVN) — never the raw BVN. Every lookup runs through the NIBSS iGree consent framework.
Read-only bank connection
Bank linking uses Mono Connect's PCI-DSS compliant OAuth. Mola never sees your credentials, never holds your money, never moves funds.
Data stays in Africa
All seller PII is stored in AWS af-south-1 (Lagos). Agent trace observability is self-hosted in GCP africa-south1. Never leaves except under Anthropic's enterprise DPA for LLM calls.
FCCPC DEON 2025, on record
Every score carries its reasoning trace. Every feature snapshot is retained for five years. Adverse action notices include two to four human-readable reason codes.
Walled per tenant
Row-level security in PostgreSQL. MCP-layer tenant enforcement. Claude literally cannot see another seller's data — the query never reaches the database.
Seller control, always
Any seller can disconnect any data source, request deletion, or close their account by sending a single WhatsApp message. Hard deletion completes within 72 hours.
About

Built in Africa, for the entrepreneurs nobody else was scoring.

Molarity is a Lagos-registered technology company building the financial intelligence layer for Nigeria's informal economy. We are not a lender. We hold no funds. We process no payments. We read alternative data with consent, compute a standardised credit signal, and deliver it to the sellers who produce it and the lenders who want to serve them.

We are registered with the Nigerian Data Protection Commission as a Data Controller, with the Corporate Affairs Commission as an incorporated entity, and are in the process of FCCPC registration under DEON 2025 as a credit intelligence platform.

2025
Incorporated, Lagos
NDPC
Accredited Data Controller
17
Team members
Molarity Technologies Ltd · Plot 1, Idejo Street · Victoria Island, Lagos 101241 · Nigeria · support@mola.ai

Lend to the sellers
that were invisible.

Five MFB partner slots open for Q1. No setup fee. Pay only on disbursement.

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