Platform architecture
CRIPE means Credit Risk Intelligence Platform for Enterprise. It is the Cortex platform that hosts the complete underwriting flow rather than asking a lender to integrate each processing stage as a separate product.
Two operating layers
| Layer | Runs when | Responsibility |
|---|---|---|
| 00 · Merchant Activation | During onboarding and whenever policy is deliberately tuned | Defines the Common Information Model, Credit Risk Framework, risk modelling, and decision rules. |
| 01–05 · Engine stack | For every application | Captures, secures, transforms, enriches, and evaluates applicant data. |
Configuration flows downstream
Activation is the control plane for the platform. The risk framework determines which categories contribute to the TrustScore, risk modelling assigns weight to individual signals, and rules enforce non-negotiable policy thresholds. The same configuration governs enrichment and decisioning for the tenant.
Application data flows forward
Each application enters through Origination, receives tenant and source provenance during Ingestion, is normalized during ETL, is enriched by AIOps, and reaches Actionable Intelligence for the final recommendation and explanation.
If ETL cannot interpret a source confidently, it can place the unresolved data in the EDA Store for engineering review instead of treating an uncertain value as reliable.
Walk through how Cortex works stage by stage.