Zai, the AI banker, has been retired.

This page offered a chat that read a borrower's numbers and said what a lender would do. That is an individual approval prediction, which this site does not make, so the chat was withdrawn on 4 September 2026 and the page now records that.

What this site does instead: it shows what the federal record supports and where the evidence ends — The Denial Map · Denial code lookup · Evidence Navigator · 184 metro lender gaps · Corrections log.

Retired products are listed in the terms; licence holders may email [email protected] for a full refund. The data behind everything remains free.