From application to disbursal in 90 seconds — KYC, scoring, multi-loan check and a signed sanction letter. Built for RBI Digital Lending Guidelines.
Borrowers download three lending apps and pick the one that approves first. We cut your decisioning to 90 seconds and we do it without compromising risk — multi-loan exposure check, synthetic ID detection and signed sanction letter all happen in one continuous flow.
A typical lending flow, end-to-end.
Aadhaar OCR + PAN match + bank account verification, all in one call.
Liveness check binds the application to the human, blocks deepfake and document-replay attacks.
Bureau + non-bureau signals reveal active loans on other platforms. Catch stack-lenders before sanction.
ML model returns approve/decline/manual-review with EMI, tenure, and rate suggestions.
Borrower signs sanction + loan agreement via Aadhaar OTP. SMS confirmation. Disbursal.
Aadhaar / PAN / Bank triangulation.
Liveness + match at app-time, again at disbursal.
Multi-loan exposure, synthetic ID, behavioural signals.
Sanction Letter + Loan Agreement, IT Act §3A valid.
OTP, EMI reminders, disbursal confirmation.
Production-ready RBI Digital Lending compliance — out of the box.