Mines provides a Credit-as-a-Service platform that enables institutions in emerging markets to offer digital credit products to their customers. It uses cutting-edge AI technology to enable banks, mobile operators, retailers, and payments processors to grant micro loans (~$30) to customers that have traditionally not had access to credit. By mining high-volume data like phone records, bank records, and payment transactions in real-time, Mines can instantly assess credit risk in markets that lack robust credit bureau infrastructure.