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PAYO PAYONEER GLOBAL INC $2.4B
No. The model is in working-capital underwriting, not in the payment decision.
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Reach, Weight, and Proof.
What they are doing
Payoneer's 2025 annual report says it uses machine-learning models in underwriting for working-capital advances, typically from $500 to $10 million. That is a credit decision, not authorization, fraud, or routing on a payment. No loss rate or approval rate on the model is given. Other AI lines in the filing are about code generation, cyber risk, and regulation.
Why the score
- Reach 2 not 3: one function, credit underwriting.
- Weight 2 not 3: the model is named in underwriting, with no result. It is also outside authorization, fraud, and routing.
- Proof 2 not 3: named in the 10-K and tied to underwriting. Not shown with a loss rate.
What would move it next quarter: A loss rate on the underwriting model, or a named score in payment fraud. Another risk-factor sentence will not move this.
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Evidence
Payoneer provides working capital from about $500 to $10 million and says it leverages machine-learning models and underwriting processes to manage risk. No result on the model is given.