Alpha Foundry
Build better
credit risk models
every day.
Alpha Foundry continuously discovers signals, builds models and puts them into production inside your environment.
EVALUATION RESULTS
- Consistently outperforms
Champion/challenger against expert human modeling teams.
CYCLE COMPRESSION
- Months → weeks
Data-to-production validation with automated documentation.
Full explainability
On-premise deployment
Daily model builds
COMPETITIVE AI
Better lift. Proven against expert models.
In champion/challenger evaluations against expert human modeling teams using commonly adopted machine learning techniques, Alpha Foundry consistently delivers greater lift.
PRODUCT OVERVIEW
What is the Alpha Foundry?
Alpha Foundry is a hybrid AI product that automates credit risk modeling from raw data to production. New models are built every day, giving modeling teams a faster way to find, test and deploy better signals.
It combines behavioral, alternative and bureau data to discover signals traditional credit data cannot see. Every step is explainable down to the math and produces the documentation needed for validation.
Alpha Foundry runs securely inside the bank’s own IT environment. Proprietary data never leaves the bank, and neither does the competitive advantage built from it.
Behavioral data
Transaction-level signals.
Full explainability
Native, not bolted.
Sovereign
Runs in your environment.
CUSTOMER JOURNEY
AI-native lending decisions across the customer journey
Most banks optimize acquisition, origination and customer management independently. Alpha Foundry optimizes them systemically, delivering compound advantage across the entire customer journey.
Acquisition
Alpha Foundry learns from each borrower’s behavior, producing high fidelity signals that reveal who your best customers are and where to find more of them.
This is proprietary signal you won’t get from bureau data.
Origination
Alpha Foundry continuously builds and tests new models, so your production model keeps getting stronger and adapts faster to changing reality. When the bank is ready to validate, automated documentation compresses the data-to-production cycle from months to weeks.
Customer management
Alpha Foundry detects changes in customer behavior before they appear in bureau data, giving you an earlier view of deterioration, improvement and emerging opportunities.
Tighten exposure, adjust pricing or identify upsell and cross-sell opportunities before the market catches up.
DIFFERENTIATORS
Our unique offering for AI-native credit risk management
The team that runs the most experiments finds the edge first.
Alpha Foundry automates data refinement, feature construction and model generation, so your team can run more experiments without building and maintaining every model by hand.
Higher lift, built for your portfolio
- Highly configurable: combines established techniques, such as XGBoost, with proprietary approaches to deliver higher lift for your data.
- Broader signal discovery: processes alternative data sources, including macroeconomic indicators and customer touchpoint telemetry, alongside traditional bureau inputs to identify the signals that are predictive for your specific portfolio.
A model factory that learns from every build
- A new model is built every day, measuring how far the production model has drifted from current reality.
- Every build strengthens the next, creating a continuous cycle of training, testing and improvement.
- Automated documentation compresses the data-to-production validation cycle from months to weeks.
Explainable credit decisions, built for regulation
- Explainability down to the math is a native property of how the system operates. Final explainability depends on the model technique.
- Outputs trace to their inputs in full. Adverse action reasons are generated automatically.
- Validation documentation is produced by the system, supporting model-risk management and validation requirements including SR 11-7 and the April 2026 (SR 26-2 / OCC Bulletin 2026-13) joint guidance.
- Satisfies EU Consumer Credit Directive II explanation requirements effective November 2026 and EU AI Act Annex III requirements for credit scoring.
- Oxide AI does not use generative AI or large language models for data refinement or modeling.
PROPRIETARY TECHNOLOGY
The Polychaos platform behind Alpha Foundry
Alpha Foundry is a credit risk product built on top of Polychaos. It automates the quantitative work that credit risk teams compete on: building models, refining data, extracting signals and producing documentation.
Polychaos is Oxide AI’s proprietary hybrid AI system. It combines evolutionary optimization, neurosymbolic reasoning and machine learning into a frontier AI platform that outperforms all leading large language model-based systems in financial analysis and credit domains.
Self-specializing intelligence
Each deployment learns from that bank's specific portfolio, borrower behavior, and market conditions. The system does not apply a general model to your data. It builds one that is yours. The longer it runs, the more specialized it becomes. The more specialized it is, the stronger your edge becomes.
Market-scale reasoning
The system reasons across gigabytes to terabytes of data at once. Most AI systems operate on megabytes of context. In credit risk, a narrow view means missing the connections between macroeconomic shifts, portfolio behavior, and borrower-level signals that determine whether a model holds up months from now.
Continuous learning
The system learns from changing market conditions in near real-time without retraining cycles. This is what makes the daily model build possible. When conditions shift, the system can instantly absorb the change and understand the implications.
Superior reasoning for regulated domains
The system reasons by generating and executing code, not by pattern-matching against training data. Every conclusion is a computation that can be explained. This is why full explainability is a native property and not a post-hoc approximation bolted on after the fact.
Full sovereignty
The system runs inside the bank's own environment. Sensitive data never leaves. Each specialized instance, the models it produces, and the competitive advantage embedded in them are under full control of each customer, ensuring your competitive edge stays yours.
We like champion/challenger evaluations.
Have yours done in weeks.
The standard engagement is a champion/challenger evaluation for origination decisioning.
Your secure environment, your evaluation dataset, your baseline model.
Once a sandbox is securely set up, Oxide AI’s system is stood up and configured in days and value is proven in weeks.