You own everything we build.
Yours from the first day. It runs in your cloud account, under your name. We do not publish a price, because each system is fitted to one lender. It starts with a free pilot on files you have already decided. Fitting each stage is a fixed fee, agreed in writing before the work starts. The run is monthly, and follows the files you put through it, not your headcount.
It runs in your cloud account, under your name, from the first day. It starts with a free pilot on your own files. We do not publish a price, because each system is fitted to one lender.
1 Fit and go live
agreed in writing
We connect your systems, set up your memo, documents and signers, install it in your cloud and train your team.
One fixed fee for each stage you name.
Nothing hourly. Nothing licensed.
What you get
A running system, in your own cloud account
The workflows, live in the systems you already use
Every stage proven on your hardest past files
An exception path for everything it cannot decide
The code and the credentials, under your name
2 Run
We watch it, fix it, and extend it as your work changes.
A monthly fee for each live stage, set by the files you run through it.
Not a seat count. It does not grow when you hire.
What you get
Monitored, with the alert reaching us before it reaches you
The exception queue, watched by a person
Fixes when a borrower or a bank changes its format
Fixes when a system changes its interface
Extensions as the work changes
Engineers in Dubai, Abu Dhabi and Doha, in your timezone
Overnight failures are ours to catch.
1 Fit and go live
agreed in writing
We connect your systems, set up your memo, documents and signers, install it in your cloud and train your team.
One fixed fee for each stage you name.
Nothing hourly. Nothing licensed.
What you get
A running system, in your own cloud account
The workflows, live in the systems you already use
Every stage proven on your hardest past files
An exception path for everything it cannot decide
The code and the credentials, under your name
2 Run
We watch it, fix it, and extend it as your work changes.
A monthly fee for each live stage, set by the files you run through it.
Not a seat count. It does not grow when you hire.
What you get
Monitored, with the alert reaching us before it reaches you
The exception queue, watched by a person
Fixes when a borrower or a bank changes its format
Fixes when a system changes its interface
Extensions as the work changes
Engineers in Dubai, Abu Dhabi and Doha, in your timezone
Overnight failures are ours to catch.
What moves the number
Fit
Run
The work itself
How many systems it touches
More to connect
More to watch
How many exceptions the work carries
More paths to set up
More that reaches a person
What is fixed, and when
Agreed in writing before it starts
Recurs every month
When each one is agreed
Before the work starts
Monthly, from go-live
What moves the number
Fit
Run
The work itself
How many systems it touches
More to connect
More to watch
How many exceptions the work carries
More paths to set up
More that reaches a person
What is fixed, and when
Agreed in writing before it starts
Recurs every month
When each one is agreed
Before the work starts
Monthly, from go-live
Four routes to this, and where each one stops.
Their partners are paid for advice, and the margin sits in the document.
A document. Your team still runs the work themselves.
They encode your judgment, and it leaves with them when the engagement closes. Fiducia ends in production, and the rules stay yours.
One product has to serve every company that buys it. An engineer sitting inside yours does not survive a product margin.
A login and a seat bill. The exceptions your business runs on are still manual.
You encode it, on your own time, in someone else’s configuration screen. Fiducia learns it from your people before anything is built.
They price and staff for build time. Sitting with your team until the specification exists is not in that price.
Software, and the specification problem you started with.
Fiducia works the specification out with your team.
An internal build runs on whoever has time left over, and every week it competes with the objectives those same people are actually measured on.
A stalled effort, running on one person’s laptop.
Whoever has time that quarter. The last ninety percent nobody wanted to build is Fiducia’s whole job.
One system, fitted to each lender, run as a service.
The system is not the smart part. Your people are. We make their judgment run, exceptions included. What comes out is a system in production. Running it is the relationship, and the fit is what earns it.
Most internal efforts stall at “we built a chatbot”. Not the model. Not the engineers. What is left is the checking, the permissions, the exceptions, and the reliability your business is judged by. None of it is the part anyone wanted to build.

The detail
Everything the number is written against.
What the fit and the run cover is on the two cards above. Open a chapter to see what stands behind it.
Questions
The questions we get asked.
Still have a question?
Describe it in the booking form. The first meeting is thirty minutes with the people who would build it.
What does the first meeting cost?
Nothing. It is thirty minutes with the people who would build it: the job as it runs today, where the line would sit, and what we would measure.
We already use AI. Is this still for us?
Yes. The pilot runs on files you have already decided, so you see what it does on your own work, beside what you use today. The pilot is free.
How long does it take?
The pilot takes four to six weeks. The first stage is live about two months after you sign, and only once it gets your hardest past files right. The scope, the fee and the finish date are agreed in writing before the work starts.
Do we have to move our data?
No. Fiducia reads what you already have, wherever it lives. A loan system, a shared drive, WhatsApp, a borrowing base in Excel. Moving your data is a different project and it is not this one.
What happens when it gets something wrong?
The agent is built to know when it cannot be sure. At that point it stops and tells a named person, with the reason. The exceptions are named before go-live, and anything it cannot decide goes down the exception path.
Who owns it when you leave?
You do. The code, the credentials, the documentation and the exception paths sit in your accounts and under your name from the day we start.
Does this replace people?
It replaces the part of a role that is repeated, which is usually the part nobody enjoys. We will not tell you it never changes a headcount. Sometimes it is the reason you do not need the next hire.
What if our process is not written down anywhere?
That is the normal case. The fit starts with the people who do the work, and what they know is written down as the rules each stage runs on.
How is this different from hiring a developer?
A developer builds what you specify, and the specification is the hard part. We take that part on, then build and run what comes out of it.
Questions
The questions we get asked.
Still have a question?
Describe it in the booking form. The first meeting is thirty minutes with the people who would build it.
What does the first meeting cost?
Nothing. It is thirty minutes with the people who would build it: the job as it runs today, where the line would sit, and what we would measure.
We already use AI. Is this still for us?
Yes. The pilot runs on files you have already decided, so you see what it does on your own work, beside what you use today. The pilot is free.
How long does it take?
The pilot takes four to six weeks. The first stage is live about two months after you sign, and only once it gets your hardest past files right. The scope, the fee and the finish date are agreed in writing before the work starts.
Do we have to move our data?
No. Fiducia reads what you already have, wherever it lives. A loan system, a shared drive, WhatsApp, a borrowing base in Excel. Moving your data is a different project and it is not this one.
What happens when it gets something wrong?
The agent is built to know when it cannot be sure. At that point it stops and tells a named person, with the reason. The exceptions are named before go-live, and anything it cannot decide goes down the exception path.
Who owns it when you leave?
You do. The code, the credentials, the documentation and the exception paths sit in your accounts and under your name from the day we start.
Does this replace people?
It replaces the part of a role that is repeated, which is usually the part nobody enjoys. We will not tell you it never changes a headcount. Sometimes it is the reason you do not need the next hire.
What if our process is not written down anywhere?
That is the normal case. The fit starts with the people who do the work, and what they know is written down as the rules each stage runs on.
How is this different from hiring a developer?
A developer builds what you specify, and the specification is the hard part. We take that part on, then build and run what comes out of it.
Questions
The questions we get asked.
Still have a question?
Describe it in the booking form. The first meeting is thirty minutes with the people who would build it.
What does the first meeting cost?
Nothing. It is thirty minutes with the people who would build it: the job as it runs today, where the line would sit, and what we would measure.
We already use AI. Is this still for us?
Yes. The pilot runs on files you have already decided, so you see what it does on your own work, beside what you use today. The pilot is free.
How long does it take?
The pilot takes four to six weeks. The first stage is live about two months after you sign, and only once it gets your hardest past files right. The scope, the fee and the finish date are agreed in writing before the work starts.
Do we have to move our data?
No. Fiducia reads what you already have, wherever it lives. A loan system, a shared drive, WhatsApp, a borrowing base in Excel. Moving your data is a different project and it is not this one.
What happens when it gets something wrong?
The agent is built to know when it cannot be sure. At that point it stops and tells a named person, with the reason. The exceptions are named before go-live, and anything it cannot decide goes down the exception path.
Who owns it when you leave?
You do. The code, the credentials, the documentation and the exception paths sit in your accounts and under your name from the day we start.
Does this replace people?
It replaces the part of a role that is repeated, which is usually the part nobody enjoys. We will not tell you it never changes a headcount. Sometimes it is the reason you do not need the next hire.
What if our process is not written down anywhere?
That is the normal case. The fit starts with the people who do the work, and what they know is written down as the rules each stage runs on.
How is this different from hiring a developer?
A developer builds what you specify, and the specification is the hard part. We take that part on, then build and run what comes out of it.

Bring one credit file.
Thirty minutes with the people who would build it. Bring a file you decided last quarter, and see how it would run.
hello@fiducia.credit
Lenders
fiducia

Bring one credit file.
Thirty minutes with the people who would build it. Bring a file you decided last quarter, and see how it would run.
hello@fiducia.credit
Lenders