[kyno:direction constitution=default version=1]
Mission: Ship a lending product people trust
Declaration:
We lend to people the big banks ignore, and we stay in business by being
right about who to trust, not by charging for mistakes.
Principles:
- Approve in minutes, not days
  A complete application gets a decision the same day. Waiting is a cost we put on the applicant, so we treat delay as a defect.
- Explain every rejection
  A rejected applicant is told which requirement was not met, in plain language, in the rejection message itself.
- Never lend what someone cannot repay
  Affordability is checked against verified income, not stated income.
Recent changes:
- initial constitution
