A
system for real-time creditworthiness assessment of small and medium-sized enterprises (SMEs) based on agent-based
artificial intelligence (AI), the
system includes: a large number of autonomous agents connected to each other via
secure communication protocols; a
data ingestion processing unit configured to capture and preprocess heterogeneous data streams from structured and unstructured sources, including APIs for financial transactions, tax databases, e-invoicing registers,
inventory management systems, social sentiment feeds, and IoT-enabled devices, with preprocessing including schema
harmonization,
anomaly detection, and
encryption-based integrity preservation; an ensemble of scoring control units configured to generate dynamic credit scores, wherein the ensemble includes
machine learning models, including gradient-enhanced decision trees, recurrent neural networks, and
graph neural networks, the
graph neural networks being configured to assess relational dependencies between SMEs, suppliers, and customer nodes in a business
ecosystem; an audit controller configured to generate regulatory-compliant justification paths for each credit
score; a feedback
processing unit configured to update the evaluation
control unit ensemble using
reinforcement learning signals derived from observed repayment behavior,
payment default trends, and fraud detection markers; and a
user interface configured to display timestamped credit histories, confidence intervals and explanatory justifications, with the entire
system running on a containerized cloud-native infrastructure with
blockchain-based ledgers for version control of each point update.