FAQ

oqui is an AI-powered affordability assessment platform. Upload financial documents like bank statements and payslips, and we'll extract transaction data, classify income and expenses, and generate comprehensive affordability reports including debt-to-income ratios.

Upload your bank statements (and optionally payslips, credit reports, ID documents). Our AI extracts all transactions, classifies them into income and expense categories, calculates monthly averages, and generates a detailed affordability assessment with DTI ratios and risk indicators.

We support PDF bank statements from most major banks, PDF payslips, credit reports (PDF), ID documents (PDF or images), and rental agreements (PDF). Bank statements are required; other documents are optional but improve assessment accuracy.

Each successful assessment costs 1 credit. Credits are purchased in advance and never expire. If an assessment fails due to document processing errors, no credit is charged. You can purchase credits in packs of 1, 10, 50, or 500.

If we can't process your documents (e.g., corrupted PDF, unsupported format, or unreadable content), the assessment fails and no credit is deducted. You'll receive details about what went wrong so you can retry with corrected documents.

Credit purchases are non-refundable. However, since failed assessments don't consume credits, you only pay for successful assessments. If you experience issues, contact our support team.

Yes. All data is encrypted in transit and at rest. We use row-level security to ensure complete isolation between accounts. Your documents and assessment data are only accessible to your team.

Assessment data is retained until you request deletion. You can delete individual assessments anytime through the dashboard, or request full account data deletion by contacting us.

Only members of your team account can view assessments. Each team has complete data isolation. We do not access your data except for technical support when you explicitly request it.

Yes! Our REST API allows you to submit assessments programmatically. You'll receive results via polling or webhook. API documentation is available in our developer section after signing up.

The default rate limit is 60 requests per minute per API key. Assessments typically take 2-5 minutes to process. Contact us if you need higher limits for your use case.

Debt-to-Income (DTI) ratio measures monthly debt payments as a percentage of gross monthly income. A healthy DTI is typically below 36%. We classify DTI as healthy, elevated, or critical based on configurable thresholds.

Haircuts are percentage reductions applied to variable income sources to reflect their uncertainty. For example, commission income might be recognized at 60% of its value for affordability calculations, while base salary is typically recognized at 100%.

Yes. You can create custom affordability rules that define income haircuts, DTI thresholds, and other criteria. Different rules can be applied to different assessment scenarios.