About
We built the affordability layer South Africa was missing.
Sorae is a product of Sinneo Financial Technologies, a division of Sinneo Group. We build financial intelligence infrastructure for the South African market.
The problem
Manual affordability assessment is broken.
Lenders eyeball PDF bank statements. Rental agents make gut-feel decisions. Employers doing financial background checks have almost no reliable tooling built for the South African context.
The result is bad loans, problem tenants, and costly defaults — not because the information wasn't available, but because no one had built the tool to extract it accurately and quickly.
10–15 min
Time a human analyst takes to read a statement
< 2 sec
Time Sorae takes to return a complete report
5 banks
Major SA institutions supported at launch
16
Behavioural risk signals evaluated per call
What we built
A financial intelligence API purpose-built for SA lenders.
Sorae accepts a PDF bank statement from any of the five major South African banks and returns structured financial intelligence in under two seconds. Verified income. Categorised expenses. An affordability grade. Sixteen behavioural risk flags. A plain-language summary.
The moat is the parsers. South African bank statement formats are unique to each institution and change without notice. Sorae maintains purpose-built parsers for every supported bank, continuously updated against real statement data.
How we build
A few things we don't compromise on.
Accuracy over speed
A wrong affordability verdict costs more than a slow one. Every parser, every signal, every flag is built to be right first.
Privacy as product
Zero data retention is not a compliance checkbox. It is the architecture. No statement content is ever stored — by design, not policy.
Built for the context
South African bank formats, South African income patterns, South African risk behaviour. Generic tools miss this. Sorae does not.
Simple to the outside
One endpoint. One PDF. One report. The complexity lives inside the system — not in the integration.
POPIA Compliant
No statement content is ever stored. Processing happens in-memory and documents are discarded immediately after analysis. Privacy is structural, not a policy we hope our engineers follow.
See it in action.
Create a free account and run your first analysis in minutes. Three free credits, no card required.