A frozen limit is frozen revenue. Quarterly batch reviews leave money on the table every month. CLIMB moves the limits and product features dynamically with behaviour, and the same engine cuts exposure before default, not after it.
- Triggers from payment behaviour, card usage patterns, and third-party data
- Exposure proactively cut before default
- Product features and fees move dynamically — adjusting for risk and profits
- Reactivation of a dormant base
- Ceilings and appetite set by your policy
CLIMB quickly improves your unit economics.
75%+average limit utilisation
continuousreview cadence
33%+increase in average TPV per customer