EU AI Act-Ready Local AI for Credit Scoring Mobile Apps in 2026 (Fixed-Price, Money-Back)

Your credit scoring model is on the EU AI Act's high-risk list. Your legal team needs a conformity assessment before the next product release. Your engineering team built the model without one.

The conformity assessment is not optional and it's not a rubber stamp. It requires technical documentation, explainability evidence, human review pathways, and audit logging that most mobile credit apps were not built to produce.

The Project Shape

Four decisions determine whether the conformity assessment your legal team needs takes 6 weeks or forces a rebuild.

Explainability requirement. The Act requires that individuals affected by high-risk AI decisions receive a meaningful explanation of the factors that drove the outcome. "The model assessed your application and it was declined" is not compliant. The app has to generate a human-readable explanation that references specific decision inputs - income level, debt ratio, payment history - in language a borrower can understand and act on. If your current model is a black-box ensemble, the explainability work changes the model architecture, not just the UI.

Training data documentation. High-risk AI under the Act requires documentation of training datasets, including their sources, known limitations, and steps taken to correct for bias. If your model was trained on third-party bureau data, you need the bureau's dataset documentation as part of your compliance file. If the bureau can't provide it, you need an alternative training data source or an independent audit of the data you used.

Human review pathway. High-risk credit AI requires that affected applicants have access to a human review of contested decisions. The app needs a mechanism for the applicant to trigger that review, and your operations team needs a defined workflow for handling it within a timeframe your legal team approves. Both the app mechanism and the ops workflow need to exist before the conformity assessment, not after.

On-device vs server. A credit scoring model running on the applicant's device processes their financial data locally, without transmitting it to your servers. The data minimization argument for on-device is strong. The constraint is model size - credit scoring models that meet the explainability requirement often require more parameters than simpler classification tasks. The tradeoff between on-device data minimization and server-side model capability has to be resolved with your compliance team, not just your engineering team.

Most teams spend 4-6 months discovering these decisions by building the wrong version first. A team that has shipped this before compresses that to 1 week.

The Off Grid Anchor

We built Off Grid because we hit every one of these problems in production. Off Grid is the fastest-growing on-device AI application in the world, with 50,000+ users running it today. It's open source, with 1,650+ stars on GitHub and contributors from across the world. It has been cited in peer-reviewed clinical research on offline mobile edge AI. Every decision named above - model choice, platform, server boundary, compliance posture - we have made before, at scale, for real deployments.

The Delivery Shape

The engagement is four sprints. Each sprint is fixed-price. Each sprint has a named deliverable your team can put on a roadmap.

Discovery (Week 1, $5K): We resolve the four decisions - model, platform, server boundary, compliance posture. Deliverable: a 1-page architecture doc your CTO can take to the board and your Privacy Officer can take to Legal.

Integration (Weeks 2-3, $5K-$10K): We ship the on-device model into your app behind a feature flag. Deliverable: a working build your QA team can test against real workflows.

Optimization (Weeks 4-5, $5K-$10K): We hit the performance and compliance targets from the discovery doc. Deliverable: benchmarks signed off by your team.

Production hardening (Week 6, $5K): Edge cases, OS version coverage, app store and compliance review readiness. Deliverable: shippable build.

4-6 weeks total. $20K-$30K total. Money back if we don't hit the benchmarks. We have not had to refund.

"Wednesday Solutions' team is very methodical in their approach. They have a unique style of working. They score very well in terms of the scalability, stability, and security of what they build." - Sachin Gaikwad, Founder & CEO, Buildd

The Close

Worth 30 minutes? We'll walk you through what your version of the four decisions looks like, what a realistic scope and timeline would be for your app, and what your compliance posture and on-device target mean in practice. You'll leave with enough to run a planning meeting next week. No pitch deck. If we're not the right team, we'll tell you who is.

Book a call with the Wednesday team