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Data abstraction
Deep identity stays encapsulated with the originator. The gateway works with anonymized profiles and synthetic risk variables, minimizing PII on the rail.
Risk infrastructure as a service
A trust bridge between credit-demand originators and liquidity providers. We turn real-world behavior into standardized risk packages, ready for credit decisions.
Why it exists
Independent workers generate behavioral history that traditional PD models cannot read. Puelo Cloud lowers origination cost and pre-filters risk so institutional liquidity can reach people excluded by payroll-based scoring.
Deep identity stays encapsulated with the originator. The gateway works with anonymized profiles and synthetic risk variables, minimizing PII on the rail.
Social capital, roots, productive capacity and commitment become a certainty signal lenders can feed into their own probability-of-default models.
We do not lend capital. We match demand with each funder’s risk appetite and return a binary verdict: granted or not granted.
Model
Puelo Cloud is Risk-Infrastructure-as-a-Service. Value comes from lower CAC and an initial risk filter for the funder.
AI + Google Cloud
The architecture is serverless and AI-native. No transactional demand means no infrastructure bill. Origination spikes scale instantly.
The predictive engine estimates probability of fulfillment with supervised learning. Causal inference recalibrates weights: not only whether repayment happens, but why.
Cloud Functions, Firestore as a state machine, Secret Manager for funder credentials, and machine-to-machine auth. Scale-to-zero on the Firebase / Google Cloud ecosystem.
Three doors
Funders that want to originate microcredit with lower CAC and a non-traditional risk signal.
info-finanzas@puelo.cloudPlatforms that originate demand and need a routing gateway into institutional liquidity.
info-integradores@puelo.cloudCapital looking for inclusion infrastructure with returns tied to origination and risk data.
info-investment@puelo.cloud