AltCredit Intelligence Platform

Production-Grade Alternative Credit Intelligence MCP Server

A comprehensive fintech underwriting intelligence system designed for analyzing non-traditional credit users including:

• Self-employed workers
• Gig workers
• Merchants
• Daily earners
• Non-salaried users

Key Features

• Alternative Credit Scoring: Rule-based scoring without ML dependencies
• MCP Protocol Support: Exposes tools via Model Context Protocol
• LangGraph Workflows: Multi-agent orchestration for credit analysis
• Explainable Decisions: Clear explanations for all credit decisions
• PostgreSQL Backend: Raw SQL with parameterized queries
• Production Security: JWT auth, RBAC, rate limiting, audit logging

Quick Start

# Install dependencies
npm install

# Set up environment
cp .env.example .env
# Edit .env with your PostgreSQL credentials

# Create database
createdb altcredit_db

# Start API server
npm run dev

# Start MCP server (separate terminal)
npm run dev:mcp

# Run tests
npm test

Project Structure

├── apps/
│   └── api/                    # Express.js REST API
├── packages/
│   └── mcp-server/             # MCP Protocol Server
├── langgraph-workflows/         # LangGraph Agent Workflows
├── credit-engine/               # Scoring & Analysis Engine
├── shared/                      # Shared Code & Utilities
└── docs/                        # Documentation

Available MCP Tools

1. analyze_creditworthiness - Full credit eligibility analysis
2. analyze_financial_behavior - Financial discipline analysis
3. generate_underwriting_report - Complete underwriting summary

Credit Score Formula

Score = (Transaction Consistency × 0.35)
      + (Savings Discipline × 0.40)
      + (Cashflow Stability × 0.25)

Risk Classification

Score	Risk Level	Decision
≥70	LOW	APPROVED
40-69	MEDIUM	REVIEW
<40	HIGH	REJECTED

Documentation

• Setup Guide
• Architecture
• LangGraph Workflows
• MCP Integration
• API Documentation

Tech Stack

• Runtime: Node.js 18+
• API Framework: Express.js
• Protocol: MCP (Model Context Protocol)
• Orchestration: LangGraph-style Workflows
• Database: PostgreSQL
• Authentication: JWT
• Validation: Joi

License

MIT