Nillify is a low-cost line of credit that builds up using transaction data, providing a financial safety net to young people who generally lack a credit history. To do this, Nillify uses advanced realtime AI and cash-flow analysis to predict risk much better than traditional lenders, and to do so actively throughout the life of a loan. This allows Nillify to not only lend to more people by taking into account more data, but also to adapt loans to work for those who normally would not qualify. By changing parameters such as minimum payment size dynamically, Nillify is able to prevent defaults before they happen and actively mitigate risk, rather than just attempt to offset it as traditional lenders do.