For banks & financial institutions

Automate mortgage risk screening.
16 countries. 3 seconds.

RiskAI X gives Romanian banks a real-time API for seismic classification, ICRAL detection, and cadastral verification — the same checks your analysts do manually, in under 2 seconds.

Book a demo → See sample report
2,794
Rs I–II buildings tracked
<2s
API response time
12
Countries covered
99.9%
Uptime SLA available
The problem

Manual ICRAL checks are costing you

Every mortgage application on a potential Rs I property requires manual research that takes 2–4 hours per analyst. RiskAI X automates this entirely.

❌ Without RiskAI X
⚠️Analyst spends 2–4h per property cross-referencing AMCCRS, ANCPI, LMI
⚠️Rs I properties discovered after full underwriting — wasted 3+ days
⚠️Retrocedat claims discovered post-disbursement — legal exposure
⚠️No systematic cross-border coverage for EU property investments
⚠️Manual process = inconsistent, error-prone, not scalable
✓ With RiskAI X API
✅Automated ICRAL + Rs classification in <2 seconds via REST API
✅Flag Rs I properties at intake — before underwriting begins
✅Retrocedat probability score + cadastral status in every response
✅Cross-border: RO, GR, BG, CY, TR, IL, PT, ES, IT — same API
✅99.9% uptime SLA · dedicated account manager · custom webhooks
Used by analysts at
BCR Romania
BRD Groupe SG
ING Romania
Banca Transilvania
Raiffeisen Romania
UniCredit Romania
API capabilities

Everything your mortgage team needs

🏚️
ICRAL Auto-Detection
Automatically detects communist-era buildings, outputs Rs I–IV classification, bank mortgage risk score 0–100, and retrocedat probability percentage.
🗺️
ANCPI Cadastral Verification
Real-time query to Romania's official E-Terra database. Returns parcel INSPIRE_ID, area m², registration status, and CF (Carte Funciară) reference.
📡
Seismic Risk Score
AMCCRS 2025 database + USGS 50-year earthquake history. Returns zone classification, PGA value, and mortgage impact assessment per Romanian bank policy.
⚖️
Heritage & Legal Flags
Cross-references Ministerul Culturii LMI list. Flags heritage status, renovation restrictions, and mandatory ministry approvals that affect collateral value.
🌍
Cross-Border Coverage
Same API endpoint, 12 countries. Romanian investors buying in Greece or Bulgaria — same risk assessment framework, different data sources, consistent output.
🤖
AI Risk Narrative
Optional AI-generated investment thesis (3 sentences) for each property. Suitable for loan officer briefings and committee presentations. Powered by Anthropic Claude.
API example response
// POST /api/v2/ai-analysis | Response { "success": true, "address": "Bulevardul Magheru 12, Bucharest", "seismic": { "rs_class": "Rs I", "risk_level": "critical", "mortgage_status": "refused", "pga": 0.30, "year_built": 1938 }, "icral": { "detected": true, "bank_mortgage_score": 12, "retrocedat_probability": "68%", "reinforcement_cost_eur": "18000-34000" }, "ancpi": { "registered": true, "inspire_id": "RO.40.179141.83421", "area_m2": 1240 }, "risk_score": 23, "recommendation": "DO_NOT_APPROVE", "response_ms": 1847 }
Institutional pricing

Transparent, usage-based pricing

Agencies
€399/mo
For real estate agencies and property managers with regular deal flow.
  • ✓ Unlimited property checks
  • ✓ Full ICRAL + seismic API
  • ✓ REST API access
  • ✓ White-label PDF reports
  • ✓ Email support
Banks — Most Popular
Custom
For financial institutions with mortgage portfolio requirements and compliance needs.
  • ✓ Unlimited API calls + SLA
  • ✓ Webhook integration
  • ✓ Core banking system connector
  • ✓ GDPR data processing agreement
  • ✓ Dedicated account manager
  • ✓ Custom fields + branding
Platinum (individual)
€199/mo
For individual analysts and boutique funds doing frequent due diligence.
  • ✓ Unlimited checks
  • ✓ AI investment thesis
  • ✓ REST API (personal use)
  • ✓ Full PDF reports
  • ✓ Email support
New v7.0

Mortgage Screen API — bank_score in 3 seconds

A single POST returns a structured risk verdict for any address in 16 countries. Designed to slot into your mortgage intake workflow before full underwriting.

Request
POST /api/v2/mortgage-screen
X-API-Key: rx_live_...

{ "address": "Calea Victoriei 95", "country": "ro", "options": { "include_avm": true } }
Response — Rs I hard reject
{ "bank_score": 0, "grade": "F", "lendable": false, "rejection_flags": [{ "code": "RS1_HARD_REJECT", "severity": "HARD", "action": "Decline application" }], "processing_ms": 2140 }
Supported in v7.0
🇷🇴 Romania 🇬🇷 Greece 🇧🇬 Bulgaria 🇪🇸 Spain 🇮🇹 Italy 🇨🇿 Czech 🇭🇺 Hungary 🇵🇹 Portugal 🇭🇷 Croatia
Book a demo

See it in action

We'll show you a live integration demo with your own test addresses in 30 minutes.

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