A single engine for the full loan lifecycle
Onboarding, decisioning, disbursement, servicing, and recovery on one platform. Connect multiple lending partners, configure Sharia-compliant products, and integrate through REST APIs.
Every loan follows four steps. Here’s what happens at each one.
1
Onboard
The borrower applies through WhatsApp, a web form, or your app. Documents are collected automatically, KYC and AML checks run in the background, and missing items are chased without manual intervention. By the time your team sees the file, it’s complete.
2
Decide
The policy engine pulls bureau data, runs your scorecards, and checks exposure limits. Most applications clear in seconds. Applications that fall outside auto-approval thresholds are packaged with full context and routed to the right credit committee.
3
Disburse
4
Recover
Three Layers. One Engine.
Onboarding & Origination
Takes a borrower from first application to underwriting-ready package.
Borrower communication engine
Status updates, document reminders, and appointment scheduling go out through WhatsApp, SMS, and email. You configure what gets sent, when, and to whom.
KYC/AML orchestration
String together ID verification, bureau pulls, sanctions screening, and beneficial ownership checks in whatever order your jurisdiction requires. Add or remove steps without code changes.
Smart document collection
The system requests the right documents based on product type and borrower profile. Uploaded docs are classified using OCR, checked for tampering, and filed automatically.
Multi-channel intake
Borrowers can apply through your mobile app, WhatsApp, a partner’s app, or your website via SDK. Everything feeds into a single pipeline.
Risk & Decisioning
Scoring, decisioning, and approval with a full audit trail.
Bureau integrations
Pre-built connectors to Tasdeeq, NADRA, eCIB, SIMAH, CRIB, and 20+ bureaus. Reports are pulled, parsed into structured fields, and fed directly into your scorecards.
Decision audit trail
Every scorecard version, variable, and override is logged with timestamps. The full decision history is exportable for regulators and Sharia boards.
Human-in-the-loop workflows
Applications that fall outside automatic thresholds are routed to credit committees with full context. You configure approval hierarchies, delegation rules, and four-eye checks.
A/B test in live environments
Run a challenger scorecard alongside your champion model on live traffic. Compare approval rates, default rates, and portfolio yield before committing to the switch.
Scorecard builder
Build custom scorecards using bureau data, financial ratios, behavioral signals, or any variable in the application. No code required; changes go live the same day.
Servicing, Disbursement & Recovery
Loan booking, disbursement, reconciliation, and recovery.
Disbursement
Once approvals clear, payouts are triggered through your existing payment rails. Split disbursements, escrow holds, and multi-tranche releases are all supported out of the box.
Portfolio dashboard
Real-time views into PAR, aging buckets, vintage analysis, and roll rates. Filter by lender, product, region, or cohort.
Repayment scheduling
Supports EMI, bullet, balloon, Murabaha, and custom repayment structures. Schedules generate automatically with grace periods, moratoriums, and early settlement calculations built in.
Regulatory reporting
Pre-built templates for central bank submissions. Portfolio is classified as performing, watch, substandard, doubtful, or loss, aligned to local prudential norms.
Predictive alerts
ML models flag accounts likely to go delinquent 30 to 60 days before they actually do. This triggers proactive outreach or restructuring workflows before the account deteriorates.
Built for multi-lender programs from day one
Multiple banks can fund loans through a single platform. Each lender operates independently with their own rules, limits, and isolated view of the portfolio.
Independent Configurations
Each lender defines their own products, pricing, Sharia structures, approval chains, and document requirements. Nothing is shared unless you explicitly choose to share it.
Isolated Portfolios
Every lender gets a dedicated dashboard showing only their data: portfolio performance, limit utilization, collection rates, and disbursement status.
Zero Data Leakage
Bank A cannot see Bank B’s borrowers, portfolios, or performance data. This is enforced at the architecture level, not just through permissions.
Dedicated Consoles for Every Stakeholder
Platform Console
✓ SME application pipeline
✓ Aggregate portfolio performance across all lenders
✓ Borrower engagement metrics and conversions
✓ Revenue and commission tracking
Lender Console
✓ Portfolio view
✓ Limit utilization and remaining headroom
✓ Collection performance and recovery rates
✓ Regulatory reports and audit log exports
Plugs Into Your Stack
API-first. Pre-built connectors for the systems banks and platforms already use.
Core Banking
REST APIs — account creation, disbursement triggers, repayment posting
Payment Rails
Settlement & payout through your existing gateways
WhatsApp & SMS
WhatsApp Business API, Twilio, SendGrid
Credit Bureaus
SIMAH, Tasdeeq, CRIB, ECIB, and more.
KYC / AML
Shufti, Sumsub, local regulators — configurable chain
Accounting
Double-entry ledger with GL journal export
Three AI agents run inside the platform
Onyx handles onboarding. Maven preps underwriting packages. Echo manages collections. They follow your rules, log everything, and escalate when a human decision is needed.
See how it works with your program
Tell us about your lending use case. We’ll walk you through the platform with your products, your scoring rules, and your lending partners configured.
Built for Regulated Environments
Immutable Audit Trail
Every action logged. Exportable for regulators & Sharia boards.
Regulatory Aligned
SBP, CBB, SECP, RBI, CBUAE. SOC 2 Type II in progress.
Data Residency
Encryption at rest & in transit. GCC & South Asia compliance.