AICA Passbook does one job completely: it takes bank statement PDFs, recomputes every balance, tells you which files it could not stand behind, and turns the rest into an analysis a credit team can act on. That is the whole product, and it ends at the edge of the statement.
Most underwriting questions do not. Whether the promoters have litigation against them, whether the GST filings agree with the declared turnover, whether the documents in the data room are the ones the borrower says they are — none of that is in a bank statement, and no amount of reading one will answer it.
What AICA adds
AICA is an AI credit analyst: you ask it about a company and it does the diligence, across every source rather than one file type. Passbook is the part of that work you can run yourself, today, without talking to anyone.
- The whole borrower, not one document. Filings, litigation, ownership and financials assessed together, so a clean statement beside an unpaid decree does not read as a clean file.
- Questions, not just reports. Ask why the working capital cycle moved, or which counterparty concentration matters — and get an answer with its workings, the same way Passbook shows the arithmetic behind every verified row.
- Built for a credit team. Multiple analysts, shared cases, and an audit trail of who concluded what.
Nothing changes here
Passbook stays exactly as it is: buy a report when you need one, no seat, no contract, no minimum. Your credits, invoices and past reports are unaffected by anything on this page. This is a neighbouring product, not an upgrade you have to take.