IceKredit
IceKredit is a Shanghai-based AI software company founded in 2015 that provides risk prediction, intelligent decisioning, and generative AI (Origin One LLM) SaaS to banks, consumer finance firms, and insurers in China and Southeast Asia.
- Company typePrivate
- Founded2015
- HeadquartersShanghai, China
- Headcount251–500
- GTM typeB2B
- OfferingSoftware
What IceKredit does
IceKredit (冰鉴科技) is a Shanghai-based AI software company founded in 2015 by Carnegie Mellon PhD Dr. Gu Lingyun (formerly of ZestFinance), specializing in risk prediction and decision intelligence for financial institutions. Its product portfolio centers on four core SaaS modules — Personal Risk Prediction (个人风险预测), Enterprise Risk Prediction (企业风险预测), Intelligent Risk Control Decision Platform (智能风控决策中台), and Intelligent Customer Acquisition (智能获客) — supplemented by add-on platforms including the Ice Shield Federated Learning Platform (冰盾联邦学习平台), Knowledge Graph Platform (鉴谱), Juzi Modeling Platform (巨子分析平台), and the proprietary Origin One (本立道生) large language model with hundreds of billions of parameters. The technology stack spans deep learning, NLP, knowledge graphs, computer vision, federated learning, speech recognition, and generative AI, with the platform processing more than 10 million daily API calls and serving over 1,000 domestic and international enterprise clients.
The company monetizes through a hybrid B2B model: annual SaaS subscriptions, usage-based API fees, and professional services for model customization and on-premises deployment. Go-to-market combines direct enterprise field sales (with offices in Shanghai, Nanjing, Chengdu, Beijing, Shenzhen, Changzhou, and a Singapore regional headquarters) alongside technology partnerships with system integrators. The customer base is anchored by tier-1 Chinese state-owned banks (Bank of China, ICBC, CCB, ABC, Bank of Communications, PSBC), regional commercial banks, consumer finance subsidiaries, insurance carriers (Zhong'an, Dinghe), and an expanding roster of Southeast Asian institutions (UOB, OCBC, SCB, ACLEDA Bank, WOWNOW). The workforce of 251–500 is over 70% R&D with approximately 15% holding overseas academic credentials, and the company has cumulatively raised more than 1 billion RMB across Angel, A, B, and three C-series rounds (Pre-C 335M RMB in 2019, C1 ~200M RMB in 2020, C2 228M RMB in 2021), with state-owned capital, Yunqi Capital, Forebright Capital, and Creation Partners among the investors.
IceKredit firmographics
Firmographics- Name
- IceKredit
- Legal name
- 上海冰鉴信息科技有限公司
- Website
- https://icekredit.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- IceKredit is a Shanghai-based AI software company founded in 2015 that provides risk prediction, intelligent decisioning, and generative AI (Origin One LLM) SaaS to banks, consumer finance firms, and insurers in China and Southeast Asia.
- Ownership category
- akta.pro rank
IceKredit industry classification
Industry- Product category
- AI Risk Management Software
- NAICS
- Software Publishers (513210), Computer Systems Design and Related Services (54151)
- SIC
- Services-Prepackaged Software (7372), Services-Computer Integrated Systems Design (7373)
- akta.pro primary industry
- End-to-End Enterprise AI Platforms (MLOps & Model Lifecycle Management) (HDAEANAA)
- akta.pro secondary industries
- Financial Services Personalization (Banking, Investing, Insurance) (HDAAAGAH), Model Risk Management & AI Governance (validation, monitoring, explainability) (FSAGAFAL), Enterprise AI Governance, Risk & Compliance Platforms (Model Risk, Audit, Policies) (HDAEANAE)
Keywords
Where IceKredit is headquartered
LocationHeadquarters
- HQ city
- Shanghai
- HQ country
- China
- HQ region
- Asia
Offices7 records
Markets served
IceKredit business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Operations
Revenue model
- AI SaaS Subscription Services: IceKredit provides AI-powered enterprise services on a SaaS subscription model. Clients access risk prediction, intelligent decision-making, and AI model capabilities through cloud-based platforms. The company also offers on-premises private deployment options for data-sensitive clients.
- API Usage Fees: IceKredit's technology is delivered via API calls, with the company reporting over 10 million daily API calls. Revenue is partially derived from usage-based API consumption.
- Professional Services (Implementation & Customization): The company provides customized model development, system integration, and consulting services for enterprise clients, including on-site modeling support and joint development projects.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise SaaS / API access plans (unspecified tiers) |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels4 records
IceKredit product offering
Product offeringCore offering
IceKredit builds and sells AI-powered enterprise risk prediction and decision intelligence software to financial institutions. Its core product lines — personal credit risk scoring, enterprise credit risk assessment, an intelligent risk-control decisioning platform, and an AI marketing/customer acquisition engine — are delivered as cloud SaaS or on-premises deployments, integrated via API, and powered by the proprietary Origin One (本立道生) financial-domain large language model together with knowledge graph and federated learning components.
Product overview
IceKredit (冰鉴科技) is an AI-native enterprise software company providing a modular SaaS product portfolio centered on intelligent risk management (智能风控) and intelligent marketing (智能获客) for financial institutions. The core offering consists of four product lines: Personal Risk Prediction (个人风险预测服务), Enterprise Risk Prediction (企业风险预测服务), Intelligent Risk Control Decision Platform (智能风控决策中台), and Intelligent Customer Acquisition (智能获客). These are powered by the proprietary Origin One (本立道生) large language model and supported by an AI technology stack including the Ice Shield Federated Learning Platform (冰盾联邦学习平台), Knowledge Graph Platform (鉴谱), Juzi Modeling Platform (巨子建模分析平台), and the IceKredit Intelligent Risk Control Platform. Products are delivered as cloud-based SaaS, private cloud deployment, or on-premises (PaaS) installations. The company also offers specialized sub-products including 鉴企 (enterprise intelligence search), next-generation intelligent customer service, Ami cognitive screening game, and the 农鉴 agricultural finance due diligence system. The platform covers the full credit lifecycle from pre-loan A-card scoring, mid-loan B-card behavioral monitoring, post-loan C-card collection optimization, alongside anti-fraud, ESG risk assessment, supply chain finance, and cross-border e-commerce financing use cases.
Differentiator
Problem solved
Functional benefit
Brands
- 本立道生 (Origin One): 冰鉴科技自主研发的大语言模型，具有多轮对话、知识问答、代码生成、文本摘要、创意写作、语言翻译、数据推理等核心能力，专注于金融等行业的垂直应用。
- 冰盾联邦学习平台
- 鉴企
- 巨子分析平台
- 知识图谱建模平台
Products and services
- Personal Risk Prediction Service (个人风险预测服务) AI-driven personal credit risk scoring service covering pre-loan application, in-loan behavioral monitoring, and post-loan collection optimization for banks, consumer finance companies, and other financial institutions to assess borrower creditworthiness, fraud risk, and repayment capacity.
- Enterprise Risk Prediction Service (企业风险预测服务) Comprehensive AI-powered enterprise credit risk assessment service leveraging multi-source structured and unstructured data to evaluate corporate credit, fraud risk, and solvency for banks, insurers, and supply chain finance platforms.
- Intelligent Risk Control Decision Platform (智能风控决策中台) PaaS-grade intelligent risk-control decision engine integrating data ingestion, indicator processing, model deployment, rules management, and embedded industry experience pools for financial institutions' joint modeling and real-time risk decision-making across the full credit lifecycle.
- Intelligent Customer Acquisition (智能获客) AI-powered precision marketing platform leveraging behavioral analytics and demand forecasting to identify high-value target customers, optimize marketing channel selection, and improve conversion rates for financial institutions.
- Origin One (本立道生) LLM IceKredit's proprietary large language model with hundreds of billions of parameters sold as a SaaS API and via private cloud to enterprises; supports multi-round dialogue, knowledge Q&A, code generation, text summarization, creative writing, language translation, and data reasoning for financial, insurance, healthcare, agriculture, and office workflows.
- Ami Cognitive Screening Game (Ami 认知健康评估游戏) AI game-based cognitive health assessment tool co-developed with SUTD using voice interaction, reaction speed, and language fluency metrics to identify cognitive decline in elderly users.
- Ice Shield Federated Learning Platform (冰盾联邦学习平台) Privacy-preserving federated learning platform enabling financial institutions to jointly train AI models on distributed data without sharing raw data; supports cross-institutional modeling for marketing, risk control, and compliance scenarios.
- JianQi (鉴企) Enterprise Intelligence Inquiry AI-powered enterprise information inquiry mini-program providing business opportunity mining, risk early warning, shareholder/director relationship analysis, competitor intelligence, and conversational Q&A for enterprise due diligence.
- Intelligent Customer Service (智能客服) LLM-powered next-generation intelligent customer service built on the Origin One LLM; rapidly learns industry and enterprise knowledge, understands complex colloquial queries, identifies customer emotional states, and routes conversations to appropriate service workflows for financial institutions and other enterprise clients.
- NongJian (农鉴) Agricultural Due Diligence System Generative-AI-powered rural inclusive finance due diligence system developed with Zhongnong Rongxin that automates customer document collection, OCR, financial data extraction, risk analysis, and due-diligence report generation for agricultural and rural credit scenarios.
Quantifiable outcome
- Top 2% globally in Kaggle financial risk modeling competitions (top 2 out of 4,875 teams)
- +3 more outcomes
Companies that use IceKredit
Customer profileNamed customers27 records
Segments5 records
Ideal customer profiles3 records
IceKredit technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability16 records
Feature6 records
IceKredit partnerships and signals
Strategic signalPartnerships
25 partnerships are on record, tiered major and core.
- Grab / ASEAN-BACmajorCGO Kong Chinang participated as a keynote panelist at the GrabX & AI Forward Southeast Asia Policy Summit co-hosted by Grab and ASEAN-BAC in Jakarta (April 8, 2026). The summit convened policymakers and global tech leaders (McKinsey, Amazon, Google) to discuss AI transformation in ASEAN. IceKredit advocated for tripartite collaboration (policy, industry, education) to drive responsible AI adoption across Southeast Asia.
- Regional Asian Post Alliance (RAPA) — 越南、泰国、印度尼西亚邮政majorIceKredit participated as a technology contributor to the 3rd RAPA Meeting in Hanoi, Vietnam. Dr. Gu Lingyun presented on AI and data analytics for postal modernization, covering data standardization, intelligent decision support, and service integration. IceKredit serves as a technology partner for ASEAN postal digital transformation.
- 建设银行新加坡分行 / 西南财经大学 (联合主办)majorIceKredit Chairman Gu Lingyun was invited to speak at the Singapore FinTech Festival Insights Forum, co-hosted by CCB Singapore and SWUFE, themed 'FinTech and Sustainability: When Responsible Finance Meets Academic Wisdom.' Gu discussed AI applications in green finance and ESG risk management for financial institutions.
- 中国互联网金融协会 / 中国银联 / 农业银行 / 光大银行 / 平安银行 / 百行征信 (联合起草)coreIceKredit was a principal author of the 'Financial Data Security Governance Implementation Guide' (《金融数据安全治理实施指南》), developed under the guidance of the National Internet Finance Association of China. IceKredit co-drafted with China UnionPay, Agricultural Bank of China, China Everbright Bank, Ping An Bank, and Baihang Credit Reporting, covering financial data security governance framework, implementation, and outcome assessment.
- 远东资信 / 北京大学 / 广东省信用协会 / 上海华东电信研究院 / 中国质量认证中心 (联合制定)majorIceKredit participated as a co-author of the standard 'Credit Evaluation Guide Based on Data Element Management Capability' (《基于数据要素管理能力的信用评价指南》), published by the Shanghai Credit Service Industry Association. IceKredit co-drafted with 30+ institutions including Far Eastern Credit Rating, Peking University, Guangdong Credit Association, and China Quality Certification Centre.
- ACLEDA Bank (柬埔寨)coreIceKredit partnered with Cambodia's largest commercial bank (ACLEDA Bank, the country's largest by assets and the first listed on the Cambodian Stock Exchange) to build an Advanced IRB (AIRB) internal credit rating system under Basel II framework. IceKredit is developing PD, EAD, and LGD models using AI, big data, and cloud computing, establishing a more precise and real-time quantitative risk rating system.
- 中农融信 (北京) 科技股份有限公司coreIceKredit and Zhongnong Rongxin (a leading rural digital asset service operator with 20+ years in agriculture) entered a strategic partnership to co-create the 'Nong Jian' (Agri-Verify) system — an agricultural vertical LLM application. The system integrates agricultural data for comprehensive analysis, activates rural asset value, and provides AI solutions in agricultural data analysis, financial services, supply chain management, and socialized agricultural services to empower rural revitalization.
- 新加坡科技设计大学 (Singapore University of Technology and Design, SUTD)coreIceKredit collaborated with SUTD Professor Qiu Huijuan's team to develop 'Ami' — an AI-powered game app for early detection of dementia in elderly. The product uses game-based cognitive assessment to evaluate reaction speed, cognitive ability, and language fluency. IceKredit built the App backend using AI/big data, and developed algorithms to identify subtle behavioral differences between cognitively declining and healthy elderly users. The product was demonstrated to Singapore Deputy Prime Minister Heng Swee Keat and funded by Singapore's Ministry of Health.
- 新加坡金融管理局 (MAS)coreIceKredit participated in MAS's Global Fintech Challenge (Theme: AI in Global Financial Challenges), advancing to the final 12 among 168 international teams with its virtual office assistant based on the Origin One LLM. This followed IceKredit's 2021 qualification in MAS's SFF Global FinTech Awards finals.
- 南京大学 (Christopher J. Butch课题组)majorIceKredit and Nanjing University collaborated on AI+Pharmaceutical research since March 2022, focusing on computer-aided drug molecular design using AI, molecular dynamics simulation, and computational biology. The joint team won third prize in the Global AI Drug Discovery Algorithm Competition (among 878 teams), and published a SCI paper on a new drug discovery method combining deep generative models with reinforcement learning.
- Southern Auto Capital Sdn. Bhd. (SAC, 马来西亚)coreIceKredit partnered with Malaysia-based SAC to build a one-stop automotive finance AI solution covering the full credit lifecycle — from pre-loan approval, in-loan monitoring, to post-loan collection. The solution focuses on used car financing, applying intelligent systems and innovative algorithm models for efficient, comprehensive, and precise risk management.
- 恒合（柬埔寨）商业银行coreIceKredit partnered with Henghe (Cambodia) Commercial Bank to design and implement professional mobile banking and online banking systems. The solution aims to unify components, resource management, application entry, technology stack, and deployment architecture, introducing mobile and development platforms to improve service quality, customer stickiness, and competitiveness.
- 国家自然科学基金重大项目课题组 (吉林大学商学院蔡莉教授)majorThe National Natural Science Foundation of China's major project team (led by Professor Cai Li from Jilin University) conducted a research visit to IceKredit for the project 'Major Theoretical and Practical Issues of Innovation-Driven Entrepreneurship.' IceKredit was studied as an outstanding innovation-driven entrepreneurship case in digital and platform economy contexts.
- 西南财经大学majorIceKredit and Southwest University of Finance and Economics (SWUFE) jointly submitted a case study titled 'Digital Technology Sails Far: China's AI Innovation Empowers Belt and Road Digital Economy' which was selected by the Ministry of Education's Degree and Graduate Education Development Center for 2023 thematic case funding. The case study examines IceKredit's technology export and localization strategies under the Belt and Road initiative.
- 澳门国际银行coreIceKredit partnered with Luso International Bank (Macau) to launch the 'Cross-border E-commerce Fast Loan' product. IceKredit built an intelligent risk control platform and end-to-end risk management solution using AI technology, enabling cross-border e-commerce financing. The solution covers the full lifecycle of risk assessment for cross-border merchants.
- WOWNOW大象 (柬埔寨)coreIceKredit partnered with Cambodia's largest super-app WOWNOW大象 to build a full-lifecycle intelligent risk control solution covering integrated marketing, pre-loan approval, in-loan monitoring, and post-loan management. IceKredit leverages AI, cloud computing, and big data to connect WOWNOW's multi-business data channels and build an e-commerce-based risk control solution.
- 中国信通院 (CAICT)majorIceKredit's IceShield Federated Learning Platform passed the China Academy of Information and Communications Technology security evaluation, validating its privacy-preserving capabilities for financial applications.
- 朴道征信有限公司majorIceKredit and Pudao Credit Reporting signed a strategic cooperation framework agreement, combining credit reporting data capabilities with IceKredit's AI technology to provide comprehensive financial risk management solutions for institutions.
- 南京银行股份有限公司上海分行coreIceKredit and Bank of Nanjing Shanghai Branch jointly applied for the 'Differentiated Marketing Platform Based on Secure Multi-Party Computation' project, which was selected into the PBOC Shanghai Financial Technology Regulatory Sandbox (second batch). This project uses privacy computing technology for financial marketing applications.
- 璞道征信majorStrategic partnership with Pudao Credit Reporting, focusing on credit data integration and AI-powered credit risk solutions for financial institutions.
- 富民银行majorIceKredit and Fumin Bank (a leading private bank in China) signed a comprehensive strategic cooperation agreement, serving as a benchmark partnership between a fintech company and an emerging private bank.
- 中国银行总行coreIceKredit signed a strategic cooperation agreement with Bank of China headquarters, providing intelligent risk management and decision-making capabilities for the bank's corporate and retail banking operations.
- 中国工商银行总行coreIceKredit signed a cooperation agreement with ICBC headquarters to provide big data intelligent risk control technology and solutions for the world's largest commercial bank by customer base.
- 成都农商银行majorIceKredit exclusively developed the intelligent risk control decision engine and data decision service platform for Chengdu Rural Commercial Bank, providing a full-process risk management solution for the bank's online lending business.
- 新加坡华侨银行 (OCBC, Singapore)coreIceKredit was selected from US, German, Singapore and other global fintech companies to establish a partnership with OCBC Bank, providing intelligent risk control technology for Southeast Asia markets. This marked IceKredit's entry into the Singapore market.
Scale indicators6 records
Recent moves9 records
Expansion highlights6 records
IceKredit competitors and assessment
Company assessmentRegional players
- ADVANCE.AI: Singapore-headquartered AI risk and identity verification provider focused on Southeast Asian financial institutions and fintechs. Overlaps with IceKredit's ASEAN expansion across digital onboarding, KYC, and risk scoring.
Broad incumbents
- FICO: Global incumbent in credit scoring and analytics with enterprise risk decisioning platforms serving the same banks IceKredit targets. Compares through overlapping FICO Score replacement initiatives and AI-driven risk platforms.
- Tencent Cloud (腾讯云) — FinTech AI: Tencent's enterprise cloud arm offers AI-powered risk control, intelligent marketing, and compliance SaaS to banks and insurers across Greater China, competing for the same budget IceKredit targets.
- Ant Group (蚂蚁集团): China's largest fintech ecosystem offering embedded credit risk, marketing, and AI services to banks. Significant competitive overlap with IceKredit in PRC bank digital transformation deals at greater scale.
Direct peers
- ACTIVE.AI: Conversational AI and digital banking platform for financial institutions across APAC. Compares on AI-driven banking workflows and Southeast Asia bank customers, partially overlapping IceKredit's intelligent customer service line.
- Upstart Holdings: US-listed AI lending platform using alternative data and ML for credit decisions. Comparable in core AI-underwriting value proposition though more consumer-lending oriented than IceKredit's B2B bank-channel focus.
- DataVisor: AI-powered fraud detection and AML platform serving banks and fintech globally with unsupervised ML models. Directly comparable in anti-fraud and anomaly detection use cases for financial institutions.
- Bairong Inc. (百融云创): Listed Chinese AI platform delivering credit risk decisioning, intelligent marketing, and insurance AI to financial institutions. Closely overlaps with IceKredit's full-lifecycle risk and customer acquisition stack.
- Tongdun Technology (同盾科技): China-based AI risk control and decision intelligence provider serving banks, consumer finance, and insurance with comparable fraud detection, credit scoring, and AML solutions. Most directly comparable to IceKredit in product, geography, and customer segment.
- ZestFinance: US-based AI credit underwriting company (now Zest AI) where IceKredit's founder previously led model development. Directly comparable proprietary ML credit scoring methodology.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
IceKredit social profiles
Digital presenceIceKredit compliance and trust
Trust signalCompliance4 records
IceKredit financial estimates
Financial estimateRevenue estimate
Valuation estimate
IceKredit leadership team
Management profileNumber of profiles
Profiles6 records
IceKredit subsidiaries and ownership
Company hierarchySubsidiaries6 records
IceKredit funding detail
Funding detailFunding overview
Funding rounds9 records
Investors13 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
IceKredit M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about IceKredit
What does IceKredit do?
IceKredit builds and sells AI-powered enterprise risk prediction and decision intelligence software to financial institutions. Its core product lines — personal credit risk scoring, enterprise credit risk assessment, an intelligent risk-control decisioning platform, and an AI marketing/customer acquisition engine — are delivered as cloud SaaS or on-premises deployments, integrated via API, and powered by the proprietary Origin One (本立道生) financial-domain large language model together with knowledge graph and federated learning components.
Is IceKredit a public or private company?
IceKredit is a private company. It is classified as venture growth investor backed and is currently operating.
When was IceKredit founded?
IceKredit was founded in 2015. It employs 251 to 500 people.
Where is IceKredit based?
IceKredit is headquartered in Shanghai, China, in the Asia region.
How does IceKredit make money?
Three revenue lines are on record. AI SaaS Subscription Services are the primary driver. The others are API Usage Fees and professional Services (Implementation & Customization).
Who are IceKredit's main competitors?
ADVANCE.AI is listed as a regional player. Broad incumbents are FICO, Tencent Cloud (腾讯云) — FinTech AI and Ant Group (蚂蚁集团). Direct peers are ACTIVE.AI, Upstart Holdings, DataVisor, Bairong Inc. (百融云创), Tongdun Technology (同盾科技) and ZestFinance.
Does IceKredit have an API?
No public API is recorded for IceKredit.
What industry is IceKredit in?
IceKredit's product category is AI Risk Management Software. Its primary akta.pro industry code is HDAEANAA, End-to-End Enterprise AI Platforms (MLOps & Model Lifecycle Management), with a secondary code of HDAAAGAH, Financial Services Personalization (Banking, Investing, Insurance). Its NAICS code is 513210 and its SIC code is 7372.