Moira | Behavioral Trajectory Score

Moira score

Sample borrower Context note

Ability to pay

Capacity based on margin, income, obligations, liquidity, and low-balance pressure.

Repayment follow-through

Priority and consistency signals, without moralizing the borrower.

Recovery behavior

What happened after stress: persistence, stabilization, or course correction.

Lender outlook

Signal breakdown

Prototype heuristic — not a validated credit-risk model. Weights are transparent working assumptions for discovery conversations.

Signal	Direction	Weight

Borrower rehabilitation path

Context interpretation

Single Applicant Assessment: local CSV upload

This prototype processes CSV files and text-based PDF statements locally in the browser. Uploaded files are not stored by Moira or transmitted by this prototype. For pilot review, use synthetic or carefully de-identified data only.

Upload a de-identified transaction CSV or one or more PDF statements for the same applicant

CSV requires date, amount, and category; description is optional. PDFs must contain selectable text, not scanned images. Select multiple PDFs together to analyze them as one applicant history.

I will upload only synthetic or carefully de-identified data with no direct personal identifiers.

Portfolio Assessment

For lender discovery: upload a synthetic multi-borrower monthly CSV. Moira groups records by borrower_id and evaluates longitudinal history rather than treating rows as individual transactions.

Prototype heuristic — not a validated credit-risk model. This mode provides transparent signal interpretation for review and feedback, not default probabilities, credit decisions, or adverse-action reasons.

Routing architecture: Moira is lender-facing and evaluates objective financial outcomes. Coaching is a separate optional consumer-facing recovery pathway; Moira does not score borrower obedience to coaching.

Upload synthetic lender portfolio CSV

Expected columns include borrower_id, month, credit_score, revolving_utilization_pct, liquid_reserves, monthly_cashflow_surplus, dti_pct, overdraft_nsf_count, large_discretionary_spike, temporary_income_shock_flag, lender_decision, and product.

I will upload only synthetic or carefully de-identified data with no direct personal identifiers.

Pilot access and data handling

Moira is currently available as a prototype for lender discovery, risk-team feedback, and controlled pilot review.

The public demo uses synthetic borrower scenarios.
The CSV pilot is intended for synthetic or carefully de-identified transaction data.
Uploaded CSV and PDF files are processed locally in the browser and are not stored or transmitted by this prototype.
Do not upload names, addresses, email addresses, phone numbers, dates of birth, Social Security numbers, bank or card numbers, credentials, or free-text notes that could identify a person.
Moira is not currently intended for live credit decisions, adverse action, or production borrower evaluation.

Portfolio scan capacity: For best performance, upload up to 250 applicants per portfolio scan with 3–12 months of history per applicant. Maximum file size: 2 MB.

This prototype does not promise better rates or approval.

Organizations interested in pilot participation can evaluate the behavioral trajectory logic, lender-facing report format, reevaluation routing, and optional coaching-referral architecture before any production data integration is considered.

For pilot opportunities and partnership inquiries, contact hello@getsplenvy.com.