Origination
Straight-through loan origination
Instant borrower verification via identity registries, digital signature collection, and dynamic agreement generation.
Financing & Lending Infrastructure
Loan origination, scoring, and auto-collection built for institutional lenders.
Accelerate consumer, auto, and mortgage lending with sub-second decisioning, automated BDDK/TCMB regulatory reporting, and robust recurring auto-debit collection rails.
built for bddk & law no. 6361
PCI DSS Level 1
99.96% Uptime SLA
Private VPC / On-Premises
Live allocation & ledger stream
operational · zero-lag- 14:02:11loan.originatedcust_91F — ₺150,000 (Auto Loan, 36mo)
- 14:02:09scoring.approvedRisk Score 842 · Auto-approved STP
- 14:02:04disbursal.fastInstant FAST transfer settled in 420ms
- 14:01:58auto_debit.setupDirect Debit mandate active on IBAN
- 14:01:52bddk.reportedLedger entry logged for regulatory audit
Daily Disbursal Volume₺184M ▲ 14.2%
Built specifically for non-bank lending institutions
Replace fragmented loan origination, third-party scoring portals, and manual collections with one cohesive API.
Scoring
Integrated AI credit scoring
Combine credit bureau data, banking transaction history, and custom scoring cards for sub-second risk assessment.
Disbursal
Real-time fund disbursement
Direct FAST, EFT, and virtual card issuance rails for instant borrower payout around the clock.
Collections
Multi-channel auto-debit
Recurring credit card tokenization, direct debit mandate orchestration, and smart retry schedules.
Compliance
BDDK & TCMB audit-ready
Immutable ledger tracking, data residency compliance, and pre-formatted supervisory report exports.
Recovery
Automated early dunning
AI agent interventions, personalized payment links, and dynamic rescheduling before loans reach default.
End-to-end loan lifecycle architecture
From digital application to final loan maturity, every state is managed within one unified ledger.
1
Application & KYC
Biometric verification, TC ID validation, and dynamic eligibility evaluation in under 60 seconds.
2
Underwriting & Allocation
Algorithmic risk evaluation, automated loan limit allocation, and instant contract generation.
3
Instant Payout & Servicing
Real-time disbursement via FAST/EFT with automated amortization schedule generation.
4
Collection & Reconciliation
Recurring automated deductions, smart retry recovery, and real-time bank reconciliation.
<180ms
Scoring engine latency
99.96%
Disbursal & payment SLA
-42%
Origination processing time
100%
audit-trail coverage for regulatory reporting
Modernize your lending infrastructure today.
Deploy in your own private cloud or on-premise datacenter. Speak with an infrastructure architect for a tailored PoC.