Dwilar

Based in California City, USA, Dwilar Inc. , doing business as Dwilar, utilizes artificial intelligence to streamline cross-border credit evaluation, enabling individuals and investors to maintain their home credit scores internationally. Dwilar Inc. was founded in 2024 in California City, US, focusing on an AI-driven platform that assists users in carrying their home credit scores across borders.

The company was founded by individuals with experience in the technology and finance sectors. In February 2026, Dwilar raised an undisclosed amount in venture funding from Buzz Innovation, Inc. DWILAR offers an innovative platform designed to enable individuals and investors to carry their home credit scores across borders, facilitating access to global financial services. The core product is an AI-driven credit evaluation system that creates a unified credit profile, allowing users to maintain their existing credit history when relocating to different countries.

This service addresses key challenges faced by international investors and expatriates—specifically, the difficulty of securing loans and credit cards without starting from scratch in a new country. Targeting markets in the United States and Japan, DWILAR serves a diverse client base that includes individuals purchasing vacation homes and real estate investors seeking financing in foreign markets. The platform’s ability to leverage lower international interest rates further enhances its appeal, providing users with optimized repayment options and access to favorable lending conditions. DWILAR generates revenue through strategic partnerships and subscription models, primarily targeting both individual consumers and businesses in the real estate sector.

The business transaction structure involves direct engagement with users seeking to utilize their home credit scores for obtaining financing abroad. Clients access the platform to secure loans, with the payment structure reflecting the value of the AI-driven credit evaluation service. By providing a streamlined process for international credit assessment, DWILAR positions itself as an essential resource for individuals and investors navigating global financial landscapes. Specific pricing plans for services are tailored to meet the needs of clients, especially in relation to financing for overseas properties, although exact figures are not disclosed.

The company plans to use the February 2026 funding to address structural challenges in multinational credit analysis through an AI-based solution that has already been implemented in Japan via proof-of-concept projects with financial institutions and related businesses.