Banks fail to create a credit for 2bn people globally despite their repeatedly proving creditworthiness through informal borrowings. From this insight, we built a custom credit-union as-a-service platform that organizations can use to create a credit for trusted employees, customers, and SMEs. Loans on the Arboreum platform are tranched such that the junior tranche comes from credit-union and senior tranche from investors. To become part of the credit union, at least one member must be willing to put their funds at the most risk for you. We use this input and cashflow history across all credit-union members with AI to intelligently underwrite loans. A highly diversified debt instrument is created using AI to help manage portfolio risk through dynamic allocation.