For lenders
Better customer outcomes, lower origination costs.
Moxim aggregates Government-sourced income, identity, affordability and credit into one consented view — adding the behavioural open-banking evidence the broker view withholds — to improve customer satisfaction and save underwriting time.
Moxim Credential · lender view
Illustrative credential seal- Identity (KYC + AML screened)
- Income (Government-sourced)
- Affordability
- Property
- Credit (with the client’s authorisation)
- Open Banking: account facts
- Open Banking: behavioural detail
The lender view adds the behavioural detail, with the consumer’s explicit consent. Illustrative demo.
What the lender view contains
The full readiness picture
KYC and AML screening, Government-sourced income, affordability, an automated valuation model, credit, and spending behaviour and trends.
Behavioural open-banking evidence
An analysis of the customer’s spending patterns and trending behaviour — the conduct signals the broker view withholds — produced using an illustrative methodology, as supporting evidence for underwriting assessments.
Fully auditable
An affordability engine that categorises every transaction against MCOB affordability guidance. As a non-regulated entity, Moxim can only provide guidance via an illustrative methodology — not a regulated MCOB assessment or a lending decision — but lenders can track that methodology against the auditable underlying evidence attached.
One credential, three views
How each party sees your credential. Toggle to compare.
- Identity (KYC + AML screened)
- Income (Government-sourced)
- Affordability
- Property valuation (Moxim)
- Creditwith your authorisation
- Open Banking: account facts
- Open Banking: behavioural detailconduct signals, withheld from the broker view
Lender view
The deepest view, opened only with your explicit consent. The conduct signals are added solely when underwriting genuinely needs them.
The methodology, on screen
The lender’s interface comprises various components, including the MCOB 11.6 category breakdown as a pie chart and a table. The verifiable credential includes twelve months of cashflows broken down into various categories. This is what cashflow-based assessment looks like next to a declared income figure.
The four tiers, one month
Illustrative MCOB 11.6 tier breakdown for a synthetic household: monthly income £4,250 splits into £1,180 committed, £760 essential, £410 quality of living and £1,900 disposable. Not an assessment.
The tier arithmetic a credential carries
| Category | Monthly |
|---|---|
| Monthly incomeMedian | +£4,250 |
| Fixed costsMin | −£1,180 |
| Essential costsMin | −£760 |
| Lifestyle costsAvg ×100% | −£410 |
| Disposable income | £1,900 |
Twelve months, not a payslip snapshot
Shown with the platform’s real interface components on one household using illustrative synthetic data, an illustrative methodology. This is not a regulated MCOB assessment or a lending decision.
A consented pipeline, ready to assess
With the consumer’s explicit consent, you receive a fully consented data package from a prepared applicant — the behavioural detail disclosed only when the assessment genuinely needs it, for prudential and regulatory purposes. Data minimisation is the default, not an afterthought.
Shown at the FCA Mortgages TechSprint 2025. Not yet PRA-authorised or FCA-regulated; everything is illustrative and educational.