Digital Lending

The KYC and risk layer behind India's digital lenders.

Sub-50ms onboarding, multi-loan exposure alerts and AI-powered collections — all in one stack.

60s
Loan application
35%
Less fraud loss
5x
Cheaper than tele-callers
YOUR ZANTRAS STACK
6/6 products in active use
Identity Verification
Aadhaar + PAN + Bank account triangulation
Face Authentication
Liveness at app time and at disbursal
eSign
Sanction Letter + Loan Agreement (IT Act §3A)
SMS Aggregator
EMI reminders, due-date nudges, recovery comms
AI Call Center
Vernacular collections — hi · en · ta · te · bn-IN
AI Risk Intelligence
Multi-loan exposure check, synthetic ID detection

The three things keeping digital lending CROs up at night

+35% YoY

Borrower fraud is rising fast

Synthetic IDs, multi-lender stacking and SIM-binding attacks are outpacing traditional rule engines.

Tier-2/3

Collections eat your margin

Manual call centers can't affordably scale to vernacular markets. Each rupee chased costs more than before.

Q1 + Q3

RBI rules change every quarter

Digital Lending Guidelines 2022 had three amendments in 24 months. Self-built KYC keeps breaking.

Where the engine pays off in lending

Five proven workflows our customers ship in days, not quarters.

01

Instant 60-second onboarding

A complete loan application — KYC, scoring, contract, disbursal — under a minute.

FLOWAadhaar OCR → Face → Risk Score → eSign → Disburse
IdentityFace AuthRiskeSignSMS
02

Multi-loan exposure check

Find out if your applicant has 4 loans live elsewhere — before you sanction the fifth.

FLOWPAN/phone hash → Bureau pull → Active-loan count → Risk decision
Risk
03

Borrower re-verify at disbursal

Catch impersonation between application and disbursal with a 5-second face check.

FLOWPre-disbursal Face match → Risk re-score → Release funds
Face AuthRisk
04

Vernacular collections

AI calls in the borrower's preferred Indian language, captures Promise-to-Pay, escalates only when needed.

FLOWSchedule → AI call (hi/ta/te) → P2P → Escalate or close
AI CallSMS
05

Promise-to-pay management

Track P2P commitments via SMS and follow up automatically when the date arrives.

FLOWP2P captured → SMS reminder → AI follow-up call → Mark paid/missed
SMSAI Call

Built around Lending regulators

First-class support for the rules your compliance team wakes up thinking about.

RBI Digital Lending
RBI Digital Lending Guidelines 2022
FLDG, direct disbursal, data localization — all wired in.
NBFC
NBFC Master Directions
Compliance with non-banking financial company licensing requirements.
DPDPA
Digital Personal Data Protection Act
Consent, erasure rights and minimization for borrower data.
UIDAI
Aadhaar Authority
UIDAI-authorized authentication for Aadhaar-based KYC.

Trusted by leading Indian lending teams

KreditBee
MoneyTap
Slice
CRED
CashE
Lendingkart
"

We cut bad-loan losses by ₹3.2 Cr in the first quarter just from the multi-loan exposure check. The collections AI paid for itself in week 2.

Chief Risk OfficerTop-10 Indian Digital Lender

Ship lending compliance in a sprint, not a roadmap.

Sandbox in 5 minutes. Production review in under 2 weeks.