We develop a customized credit model together with the partner, using a combination of the partner's data sources and Froda's to create the most comprehensive and accurate credit model possible. The partner has full control over the customer journey and manages all KYC and identification processes, as well as taking the credit risk. When applications are made, Froda's system evaluates and responds to them within 24 hours. After that, the API endpoints are used to activate withdrawals from Froda's financing.