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One Platform. 
Four Ways to Use It.

Fintechs use our ledger and lending rails. Banks use our orchestration layer to scale SME programs. Platforms embed credit for their merchants. And all of them use our AI agents to keep ops costs flat as volume grows.

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✽  What We Offer

Discover our
main Solutions

1

For Fintechs

Plug into a production-grade lending stack

 

2

For Banks

Scale SME programs without replacing core banking

 

3

For Platforms

Add credit to your marketplace or super-app

 

3

Automate to Scale

Let AI agents handle ops as volume grows

 

10x
Faster application-to-disbursement cycle
50K+
Small-ticket loans per month without adding headcount

Owned
Scorecards, your rules, your risk appetite

For Banks: Scale SME Lending Without Replacing Core Banking

Your head of SME banking just got approval to launch a supply chain finance program. Your core banking team says it’ll take 18 months to build. 

Here’s what it looks like on Trazmo instead.
Trazmo sits on top of your core banking system via APIs. Disbursements and repayments still flow through your existing rails. We handle the program-level orchestration: onboarding, scoring, decisioning, collections. Your core banking stays untouched.

You build your own scorecards using any variable in the application. The scorecard builder is no-code. You can A/B test a challenger model against your champion on live traffic and compare approval rates, default rates, and portfolio yield before switching.

For supply chain finance specifically, Trazmo handles anchor corporate onboarding, bulk supplier enrollment, invoice validation against the anchor’s ERP, and payout-linked settlement.

You Keep Control

You keep full control. You own the credit risk. You own the customer. You control the approval logic. We handle the operational layer that lets you run it all at volume.


Ideal For

Islamic banks launching Sharia-compliant SME programs. Commercial banks adding supply chain finance. Regional banks modernizing their SME book. DFIs scaling access to credit.


 Solution 1
 Solution 2

For Fintechs: Plug Into a Production-Grade Lending Stack

You have the customers and the license. Building the lending infrastructure from scratch — a double-entry ledger, disbursement logic, repayment scheduling, Sharia-compliant structures — takes 12 to 18 months and a team you probably haven’t hired yet. Or you plug into ours and go live in 8 weeks. You need to move faster.

What you get:

  • A production-grade double-entry ledger. Every transaction booked with the GL journal exports. Supports EMI, bullet, balloon, Murabaha, Ijara, and custom structures.
  • Disbursement orchestration. Payouts trigger through your existing payment rails once approvals clear. Split disbursements, escrow holds, and multi-tranche releases are built in.
  • Repayment scheduling and daily reconciliation. Schedules generate automatically with grace periods, moratoriums, and early settlement calculations.

 Solution 3

For Platforms: Add Credit to Your Marketplace or Super-App


Your merchants are already transacting on your platform. You have the data to underwrite them. They need working capital. Adding a lending product means a new revenue line for you, without taking balance sheet risk.

What you get:

  • White-label everything. Onboarding, risk assessment, and collections are branded to your platform. Your merchants never see Trazmo.
  • Multi-lender routing. Connect multiple banking partners. Applications are routed to the right lender based on product type, risk tier, geography, or available limits.
  • Underwriting on your data. Use POS volumes, order history, supplier payment patterns, and transaction data as scoring signals. Your platform data is the competitive advantage.

100% white label

White-label, your brand, your experience

Multi Lender

Lender routing built in from day one

New Revenue 

Revenue stream from credit embedded in your product

 Solution 3

Automate to Scale

You’ve launched the lending program. Applications are coming in, and now your ops team is drowning in document chasing, payment matching, and collection follow-ups. Every manual step costs money, introduces errors, and puts a ceiling on how many loans you can process.

This is where the AI agents come in.

Trust & Safety

  • High-stakes decisions always require human approval. Agents handle prep work and routine execution.
  • Immutable audit trail, what it did, why it did it, what data it used. Exportable for regulators and Sharia boards.
  • Agents operate within defined rules and thresholds. Exceptions trigger workflows, not silent failures.

+50%

Improvement in on-time repayment rates


10x

Faster application processing


24/7

Agents work around the clock

Three AI Agents. Embedded in Every Step.

Trazmo’s AI agents are operational workers embedded in the lending lifecycle. They follow your rules, log every action, and escalate when they should.


















Onyx

Onboarding Agent

Collects documents via WhatsApp and web. Runs KYC/AML checks automatically. Chases missing items. Packages underwriting-ready applications with no manual follow-up needed.

  •  Collects documents via WhatsApp and web. 
  • Runs KYC/AML checks. 
  • Chases missing items. 
  •  Packages underwriting-ready applications.

No manual follow-up needed.

Maven

Risk Copilot

Pulls bureau data, runs your scorecards, checks exposure limits across all lenders, and packages edge cases for credit committees with full context. Decisions are prepared in seconds.

  •  Pulls bureau data. 
  •  Runs your scorecards. 
  •  Checks exposure limits. 
  •  Packages edge cases for credit committees with full context.
Decisions in seconds, not days.

Echo

Servicing Agent

Sends repayment reminders via WhatsApp and SMS. Matches incoming payments automatically. Runs daily reconciliation. Escalates delinquencies through configurable multi-stage workflows.

  •  Sends repayment reminders. 
  •  Matches payments. 
  •  Runs daily reconciliation. 
  •  Escalates delinquencies through configurable multi-stage workflows.
Collections on autopilot.

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