Evaluate the real solvency of your customers. Before they cost you.
Make financial decisions that are fair, fast, and actionable — in seconds.
Financial ratios do not show only a part of reality.
The 3 blind spots of traditional approaches:
Declared salary:
€3,500/month
Remains to live declared:
1,800€
No other credits in progress
Do you validate?
Bad pick.
Reality
Undeclared credits
Real flows: €2,100 per month. The rest goes directly to repay 3 undeclared consumer loans.
That's where Meelo comes in.
Our methods remain confidential — not to hide them, but to prevent fraudsters from learning how to bypass our controls.
A unique solvency score for 100% of your customers
2 methods to analyze real capacity to pay: Open Banking or Open Banking Like. Data verified in real time, total coverage.
Open Banking (PSD2)
Automated analysis
99% of transactions categorized by AI (NLP): recurring overdrafts, payment incidents, hidden multi-credits...
Maximum coverage
+300 European banks via multi-aggregators. Multi-bank and multi-account vision for a complete analysis
Guaranteed reliability
Automatic switch between aggregators if unavailability
Open Banking Like (Ocrization of account statements)
PDF/image + OCR download
The customer uploads his bank statements. Our AI automatically extracts all transactions (debits, credits & balances)
Documentary anti-fraud check
Page by page verification of the authenticity of the statements. Detection of documents that have been modified, manipulated or artificially generated
Same scoring as with Open Banking
Automatic categorization (99%), same solvency/stability/reliability analysis
Refuse less.
Accept better.
Meelo doesn't just say “yes” or “no.”
We make it possible to:
Detect profiles that are really at risk,
Accept more customers without having more risk
Simplify your processes (deposit, guarantees, payment methods).
Fewer unpaid bills. More customers accepted. A lasting relationship.
KING x 10+
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Before Meelo
Explosion of fraud, unpaid invoices on the rise despite reduced acceptance of files and a high manual processing cost
After Meelo
Decreased fraud, risk, increased acceptance, and lower operating costs
Simple integration,
regardless of your context
Deployment in 4 weeks on average
Adapted to high volumes
Portal
Turnkey interface
API
Native and automated integration
Batch
Mass processing of files
Are you already using an aggregation solution?
Meelo connects directly via API to enrich your existing journeys, without rebuilding everything.
Key questions about solvency analysis
Is connecting to bank accounts easy?
Yes. With PSD2 and App-to-App, the connection is like an online purchase: the customer is redirected to the bank's application, he validates in a secure way in one gesture (Face ID, biometrics...) selects his bank and that's it.
Can Meelo adapt to our credit policy?
Yes. The scores and rules are customizable according to your business criteria and your risk appetite.
How long does it take for a solvency analysis to be available?
The decision is generally available in 2 to 5 seconds, depending on the data analyzed.
Is Meelo analysis compatible with regulatory requirements?
Yes. Meelo analyses respect the regulatory framework in force and are part of a GDPR and responsible AI approach.
What is the difference between declarative solvency and real solvency?
Real solvency is based on observed financial flows and concrete behaviors, rather than on static statements or data.
Test Meelo on your financial data
Without commitment
Fast results