Skeps provides technology on a white-label basis that other companies can use to deliver buy now, pay later (BNPL) point-of-sale financing programs to merchants. The BNPL technology operates on a blockchain. Within their own environment, lenders make available to Skeps a byte code version of their risk models. The private blockchain is used to execute credit evaluations within the merchant’s environment, where it can incorporate a buyer’s data. At all times, a lender’s proprietary information remains unknown to Skeps and the merchant. Skeps holds a U.S. patent on its distributed under...