SINGAPORE, November 24, 2025 – At this year’s Singapore FinTech Festival 2025, Corestrat stood out not with flashy marketing but with something far more compelling: an engineering story. Over the past six years, the company has quietly built one of the most ambitious AI-first decision intelligence stacks in the region, and as demand for real-time lending, fraud detection and risk modeling accelerates across Asia, its moment has clearly arrived.
“We always believed predictive models alone wouldn’t change outcomes,” said CEO Kartik Ramachandran. “You need the full chain — data, reasoning, simulation, explainability — all working together.”
AI-Native Architecture as a Competitive Advantage
That thinking shaped a platform that doesn’t treat AI as an add-on, but as the foundation. Today, Corestrat’s architecture brings together large reasoning models, a model context protocol, a generative AI layer and a development ‘Foundry’ that powers rapid prototyping. The goal is to help fintechs and lenders make fast, consistent and transparent decisions — and to do it without having to build massive data science teams.
This philosophical shift becomes even more interesting when you examine how the system works in practice. Corestrat’s reasoning models are designed to understand lending and risk the way an experienced credit analyst would — by weighing scenarios, simulating strategies and surfacing the logic behind recommendations. The Model Context Protocol sits over this reasoning layer, orchestrating how data, rules, and generative interactions flow through the system. And over all of this sits a GenAI-driven interface that acts almost like a technical co-pilot, guiding users through model building, rule configuration and insight generation.
COO Joe Petillon described this evolving tech stack as the company’s “strategic weapon.” For him, the breakthrough isn’t just in accuracy or speed — though the gains there are significant — but in what he calls single-meeting prototyping. “We’re pushing toward a reality where a client tells us what they need in the morning, and they walk away with a working prototype before lunch,” he said. “A few years ago, this was unthinkable.”
IntelliDecision.ai and the Race for Real-Time Decisioning
Corestrat’s flagship product, IntelliDecision.ai, is where this philosophy becomes tangible. It compresses what used to be months of model development into minutes, enabling lenders to build, validate, and document models almost instantaneously. One major lender in South Asia, for instance, slashed its model development cycle from six months to under an hour while also improving risk prediction accuracy and approval rates. It’s the kind of efficiency gain that changes how teams operate, and it’s catching attention across the region.
Deployment — usually the messier part of enterprise AI — is another area where Corestrat has done the hard engineering work upfront. Live environments, especially on-prem ones, tend to be riddled with unpredictable dependencies, old connectors and data pipelines that never behave the same way twice. To counter this, the company built a wrapper API that abstracts away client-side complexity. This layer integrates easily with legacy core systems, supports both cloud and on-prem setups, and significantly reduces implementation timelines. As Kartik put it, “In sandbox everything is clean. In production, chaos begins. We built the wrapper layer precisely for that chaos.”
Governance Engineered Into Every Layer
What sets Corestrat apart is not just speed, but its approach to governance. With Kartik’s background as a former Chief Risk Officer, bias detection, explainability, data lineage and rational visualisation are embedded into every model by default. These features are not optional — they are engineered into the core of the platform. This strong governance stance helped the company secure certification from the Singapore FinTech Association, a process that requires demonstrating ethical safeguards, scalability, and the absence of comparable tools in the market.
A Region Ready to Leapfrog
Asia-Pacific, meanwhile, is proving to be fertile ground for technologies like this. Kartik observed that lenders in markets such as Vietnam, Thailand and India are “leapfrogging five generations of infrastructure.” Rather than upgrading legacy stacks, many are moving straight into AI-first decisioning with real-time risk engines, GenAI-assisted fraud detection and automated strategy simulation. For a platform like Corestrat’s — which is built to adapt quickly and deploy flexibly — the region’s speed of adoption is an opportunity.
If there is one secret behind the company’s constant evolution, Joe believes it’s their developers. Internal hackathons often unearth new tools that even leadership hasn’t discovered yet. “The pace of AI tooling is insane,” he said. “There’s no way to stay ahead unless your developers are experimenting all the time. We encourage it — even failure is welcome.”
Looking ahead, Corestrat envisions a future where its platform is deployed across multiple industries and geographies. Today, it is already onboarding some of India’s largest consumer lenders. Over the next 24 to 36 months, the team expects to expand deeper into supply chain, logistics and manufacturing — sectors where data complexity is high and decision cycles are fast.
Ultimately, the company’s mission is less about being a product vendor and more about shaping how organisations think about intelligence systems. “This space will evolve dramatically over the next year,” Kartik said. “Our job is to evolve faster.”