Overview
Scienaptic AI is an AI credit decisioning platform for lenders and credit unions that aims to improve approval rates while managing charge-offs and compliance[1]. Founded in 2014[4], the company is headquartered at 50 West 47th Street, Suite 1614, New York, NY 10036[5], with branch offices in Florida, Texas and Maryland[5]. Scienaptic AI operates as a Credit Union Service Organization (CUSO) backed by credit union investors[11]. The company's products include the iCUE platform plus credit decisioning, underwriting, fraud detection and vehicle loan pricing solutions[6]. In 2026, several credit unions selected its platform[7], and the company announced partnerships with Socure for identity and fraud intelligence and with Temenos for credit union integration[8]. Scienaptic AI announced strategic investment in January 2025 and September 2024[9], and reported that a Colorado-based credit union used its AI to approve $40 million in loans[10].
Company website lists 50 West 47th Street, Ste. 1614, New York, NY 10036 [1]
Scienaptic AI states it was founded in 2014. [4]
Scienaptic AI is headquartered at 50 West 47th Street, Suite 1614, New York, NY 10036, with branch offices in Florida, Texas and Maryland. [5]
Scienaptic AI's products include the iCUE platform plus credit decisioning, underwriting, fraud detection and vehicle loan pricing solutions. [6]
Business address: 50 W 47th St, New York, New York, 10036. [12]
Customers
Scienaptic AI announced in 2026 that Community West Credit Union, Sierra Pacific Credit Union, PFCU Credit Union, Evergreen Credit Union, Oregonians Credit Union, Pioneer Valley Credit Union and Michigan First Credit Union selected its platform. [7]
Partnerships
Scienaptic AI announced a partnership with Socure for identity and fraud intelligence on June 16, 2026 and a Temenos integration for credit unions on April 27, 2026. [8]
Funding history
Scienaptic AI announced on January 21, 2025 that its CUSO had secured strategic investment from four new partners, following a September 9, 2024 announcement of strategic investment from credit union clients. [9]
Growth & traction
Scienaptic AI reported on September 4, 2025 that a Colorado-based credit union used its AI to approve $40 million in loans. [10]
Focus
- Scienaptic AI operates as a CUSO (Credit Union Service Organization) backed by credit union investors including CU of Colorado, CoVantage CU, People Driven CU, Wildfire CU, ELGA CU, 4Front CU, Alliance CU, Partner Colorado CU, Advantage One CU and Patriot FCU.[11]
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