> For the complete documentation index, see [llms.txt](https://docs.qiro.fi/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.qiro.fi/products/qiro-underwriting-engine.md).

# Qiro Underwriting Engine

Qiro is building a distributed credit underwriting network that gathers structured credit data from various off-chain sources and connects it with a network of underwriting nodes. These nodes, hosted by credit underwriting experts, operate independently, running credit models and policies. \
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The underwriting is performed in a verifiable compute environment, and the aggregated results are subsequently posted on-chain along with computation proof.

<figure><img src="/files/f5sgXKGta53rViixTola" alt=""><figcaption></figcaption></figure>

**Credit Data Sources:** Aggregated sources of Credit data from different avenues like audited financials, third party APIs and alternate data sources.\
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**Distributed Credit Underwriting Network:** Distributed network of professional credit underwriters running their credit policies in a verifiable risk compute network.\
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**Credit Policies:** Standard risk frameworks deployed by underwriters consisting of qualitative and quantitative parameters to evaluate the credit worthiness of a Asset Originator.\
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We will be publishing detailed docs on the underlying architecture of credit underwriting network.