Mifundo

Mifundo provides a pan-European platform that aggregates credit data from bureaus, bank accounts, and registries to create a verified financial identity for cross-border lending. The service enables banks to assess the creditworthiness of foreign applicants by providing standardized reports including income, liabilities, and credit history. The platform aims to reduce credit risk and ensure compliance with Consumer Credit Directive II (CCD II) for financial institutions serving international customers.