One platform that verifies who people are, determines what they qualify for, and moves the money. Built for Ghana's credit ecosystem.
Regulatory Compliance
Approved and regulated under the Bank of Ghana's Fintech Office and Financial Stability Department.
CCX operates in full compliance with Ghana's financial regulatory framework, ensuring the highest standards of security, transparency, and consumer protection.
The Platform
CCX replaces fragmented tools with a single infrastructure layer that handles identity, credit, and payments end-to-end.
Identity
Multi-source verification through Ghana Card, CAGD payroll records, credit bureau profiles, face biometrics, phone, and email — all from a single API call.
Credit
Rules-based eligibility, automated affordability analysis, and configurable credit programs — from revolving lines to term loans to BNPL.
Payments
Drawdowns, repayments, and salary deduction lock-ins through CAGD's TPRS — securing the full transaction lifecycle from disbursement to collection.
For Individuals
Verify your identity once and unlock access to credit programs from multiple lenders. No paperwork, no branch visits, no waiting.
Verify your Ghana Card, employment, and biometrics once. Reuse across all programs.
See exactly what you qualify for based on your salary, existing obligations, and credit profile.
Access credit from different lenders through one verified profile. Compare terms and choose what works.
Repayments deducted automatically from your salary through CAGD. No missed payments, no late fees.
Verified Credentials
11
Credential Types
Approval Modes
3
Auto, Manual, TPRS
Facility Types
6
Revolving, Term, BNPL...
Eligibility Rules
6+
Income, DSR, Score...
Define a credit program in minutes. CCX handles identity verification, eligibility checks, affordability analysis, and TPRS deduction booking — so you can focus on lending, not plumbing.
For Financial Institutions
Plug into verified identity data, configurable credit rules, and automated payroll deductions. Go from program design to live disbursement without building the infrastructure yourself.
Pre-verified borrowers
Identity and employment already confirmed before they apply
Secured repayments
TPRS salary deductions lock in collections before disbursement
API-first integration
RESTful APIs with JWT and API key auth, built for your existing stack
For Merchants
Offer buy-now-pay-later at checkout. Verify a customer's credit facility in real time, process the transaction, and receive guaranteed settlement from the issuer.
Verify available credit and process purchases against a customer's facility directly at checkout via API.
The credit issuer pays you directly. No chasing customers, no collection risk on your end.
Customers who can't pay upfront can still buy. BNPL increases basket size and brings in new buyers.
Form Builder
Custom
Fields & Validation
Field Types
2
Custom & Platform
Pricing
3
Free, Per-Request, Bundle
Workflow
End-to-End
Submit → Complete
Publish a service in the CCX marketplace. Build your application form with custom fields and verified platform fields, set your pricing, and start receiving applications from consumers.
For Service Providers
Publish services in the Explore marketplace. Consumers apply using their verified credentials — Ghana Card, employment, biometrics — so you work with trusted data from day one.
Custom form builder
Add your own fields for manual input, plus platform fields that auto-fill from verified credentials
Structured workflow
Review, request more info, process, and complete — with notes and file exchange
Flexible monetisation
Free, per-request, or subscription plans with mobile money payments
For Organization Beneficiary Sponsorships
Attest to the income and employment of your employees, members, or beneficiaries — giving them access to credit programs that would otherwise require CAGD verification.
Attest to salary, position, and affordability. CCX cross-checks the numbers and creates a verified income credential.
When your people apply for credit, lenders can request your consent. Review the amount and program, then approve or reject.
Import up to 500 beneficiaries at a time. Update salaries, suspend, or terminate — with full history and credit exposure tracking.
Whether you're a lender, a merchant, a service provider, or a sponsoring organisation — we'd like to hear from you.