Three AI Agents That Actually Do the Work
Onyx handles onboarding. Maven preps underwriting packages. Echo manages collections. They run inside your lending workflows, follow your rules, and log everything they do. When something needs a human decision, they escalate with full context.
Why agents instead of just automation?
The agents handle this volume so your ops team can focus on the cases that actually need human judgment.
Manual Ops Don’t Scale
At 50,000 loans a month, every manual step costs real money: chasing a missing document, matching an incoming payment, sending a collection reminder.
Rules, Not Guesswork
You set the rules: approval thresholds, escalation triggers, communication cadences, risk limits. The agents execute within those boundaries every time.
Always Auditable
Everything is logged. What the agent did, which rule triggered it, what data it used, and when. The full audit trail is exportable for regulators and Sharia boards.
Agent 1: Onyx
Onboarding Agent
A borrower sends a WhatsApp message to apply. Within minutes, Onyx has requested their trade license, started a KYC check, and flagged a missing bank statement. Four hours later, the borrower gets a follow-up. No one on your team touched it.
That’s how Onyx works. It handles the entire intake process from application to underwriting-ready package.
Multi-channel intake
Accepts applications from WhatsApp, web forms, mobile apps, or partner platforms via API. All channels feed into one pipeline.Smart doc collection
Requests the right documents based on product type and borrower profile. Uses OCR for extraction, checks for tampering, and classifies automatically.
Application packaging
Once the file is complete, Onyx packages the full application with all verified documents and sends it to the risk engine. Ready for scoring.
Agent 2: Maven
Risk Copilot
Without Maven, your credit analyst spends 45 minutes pulling bureau data, running ratios, and writing a summary for the committee. With Maven, that package is ready in under a minute.
Maven doesn’t make credit decisions. Your policy engine and credit committees do. Maven prepares everything they need.
What Maven does:
Bureau data integration
Pulls bureau reports from Tasdeeq, NADRA, eCIB, SIMAH, CRIB, and 20+ other bureaus. Parses them into structured fields and feeds them into your scorecards.
Scorecard execution
Runs your custom scorecards using bureau data, financial ratios, behavioral signals, or any variable in the application.
Edge case packaging
When an application falls outside auto-approval thresholds, Maven compiles the full package (scores, bureau data, financials, risk flags) and routes it to the right credit committee.
Exposure checks
Checks exposure limits across lenders, products, geographies, and sectors automatically.
Decision audit trail
Logs every scorecard version, variable, and override. Exportable for regulators and Sharia boards.
Agent 3: Echo
Collections Agent
In a typical portfolio of 10,000 active loans, Echo sends over 30,000 reminder messages a month, matches the vast majority of payments automatically, and flags early-warning accounts 30 days before they go delinquent. Your collections team only sees the cases that need a human call.
Repayment reminders
Repayment reminders via WhatsApp, SMS, and email. Frequency, tone, and escalation timing are configurable per product and risk tier.
Payment matching
Payment matching against outstanding schedules. Handles partial payments, overpayments, and multi-tranche settlements.
Delinquency escalation
Delinquency escalation through multi-stage workflows: gentle reminders first, restructuring offers next, then escalation to recovery teams or external agencies.
Predictive alerts
Predictive alerts that flag accounts likely to go delinquent 30 to 60 days early. Triggers proactive outreach before the account deteriorates.
Daily reconciliation
Daily reconciliation against your payment rails and core banking. Discrepancies are flagged immediately, not at month-end.
What Echo handles:
Designed to earn trust, not just claim it
Humans make the hard calls
Full audit trail
Every agent action is logged: what it did, which rule triggered it, and what data it used. Exportable for regulators, Sharia boards, and internal audits.
Mistakes trigger workflows, not silent failures
Agents operate within rules and thresholds you define. If something falls outside those bounds, an exception workflow fires immediately. All actions are logged and reversible.
See the agents in action
Walk us through your lending program and we’ll show you how Onyx, Maven, and Echo would work with your products, your rules, and your real workflows.
