Credit history should travel with people
Synergy Resources is developing Global Credit Passport to help financial institutions evaluate cross-border applicants through permissioned, source-aware financial evidence.
Request a PilotSee How It WorksFinancial history should not stop at a border
A borrower may have a meaningful financial history in one country and little visible credit history in another. Different providers, formats and verification processes can make that evidence difficult for a destination-market lender to assess.
A clearer view of cross-border evidence
GCP is being designed to organize identity, credit and cash-flow evidence into a consistent format while preserving its origin and meaning. The goal is to help institutions understand what is available, what is missing and what requires further review.
A process built around permission
- Consent: clarify the requesting institution, purpose and requested information.
- Verify: establish identity and permitted data connections.
- Standardize: organize evidence without losing its source context.
- Evaluate: review coverage, confidence and explanations.
- Decide: the institution applies its own underwriting policies.
Explore a potential pilot
We welcome discussions with banks, credit unions and financial-technology lenders evaluating cross-border lending workflows. Scope, provider access and permitted use must be assessed for each proposed pilot.
Technology services remain part of Synergy
Explore Synergy’s technology consulting, AI automation, cloud migration, custom applications and training services for financial institutions.
Questions about Global Credit Passport
Is GCP available today?
GCP is in development. Pilot discussions establish the proposed scope, data availability, provider permissions and appropriate next steps; specific countries and integrations are not represented as currently supported.
Does GCP make lending decisions?
No. The intended role is to organize financial evidence for institutional review. The lender applies its policies and retains the final decision.
Can credit scores from different countries be treated as the same score?
No. Native scores, original ranges and source countries need to retain their context. Standardizing evidence does not make national scoring systems interchangeable.