Unlocking access and dignity for the billions excluded by traditional financial systems.
Using patented AI and blockchain to unlock credit access for underserved communities worldwide.
Revolutionary patent-protected algorithms serving 1.7 billion unbanked adults worldwide. We don't just assess credit—we restore financial dignity.
Alternative-first assessment unlocking financial access
Our platform is built to serve people excluded by design—across industries where access and identity are barriers to opportunity.
Where our technology creates maximum impact for underserved communities
A3Z is trust infrastructure for inclusive finance—AI-powered, modular, and built to serve people, not just profiles.
A3Z is a mission-driven technology company building the trust infrastructure for inclusive finance. Our AI-powered platform enables dignity-first credit assessment, secure blockchain verification, and cross-sector adaptability—from fintech to proptech to sports.
The lived experiences and human connections that drive our mission to serve the underserved.
I didn't build A3Z from a boardroom—I built it from lived experience and thousands of conversations across continents, road trips, and Uber rides. Over more than a decade, I've listened deeply to people from every walk of life—some left out of financial systems, others stuck in cycles of credit denial, all with stories that shaped this mission.
I've seen the lows of life, supported others when I had little myself, and fought hard to reach the highs. And while I've had the privilege of working at some of the world's leading tech companies, my deepest motivation has always been to serve those without access, privilege, or a safety net.
A3Z is my way of giving back—of building technology that restores dignity, builds trust, and opens doors for those too often overlooked.
We're not just solving for financial inclusion. We're building equity, one decision at a time.
— Anshuman Chowdhury, Founder & CEO
Privacy-preserving AI. Blockchain-secured identity. Interoperable APIs. Every part of our stack is built to scale trust.
Patent-protected innovations powering dignity-preserving financial inclusion
The principles that guide our mission to serve the underserved
Every algorithm is designed to preserve human dignity, ensuring fair assessment regardless of traditional credit history or economic background.
Democratizing financial access for 1.7 billion unbanked adults worldwide through patent-protected technology that serves underserved communities.
Mathematically novel, legally defensible innovations that create lasting competitive advantages while driving positive social impact.
We're building A3Z to deliver measurable change across technology, society, and business through our innovation framework.
Engineered for precision, speed, and defensibility.
Our models are designed to exceed traditional benchmarks in identity and financial data reliability.
A3Z is built to support instant, AI-driven decisioning with dynamic risk orchestration.
We've filed for IP protection across multiple algorithmic components of our trust engine.¹
Built to serve global populations often left behind.
Our platform aims to expand financial and property access for underserved adults worldwide.
Based on early models, our approach may approve 4x more users than traditional credit systems.
We prioritize transparency and fairness—minimizing bias and maximizing respect.
Positioned for long-term growth across verticals.
A3Z operates at the intersection of fintech, proptech, and digital identity infrastructure.²
Modular APIs and intelligent automation are designed to reduce fraud and operational overhead.
A3Z's platform architecture extends beyond finance—into health, education, and digital services.
¹ Patent applications filed with USPTO (2025) for proprietary AI-based assessment and identity verification algorithms.
² Market opportunity estimates based on publicly available research from the World Bank, McKinsey, and industry reports.
Experience the future of dignity-preserving financial assessment technology