Groups
Automated savings group management
Seamlessly organize customers into maturity groups (60, 120, 240 months) with dynamic balance pooling.
Savings & Participation Finance
transparent infrastructure built for interest-free savings finance institutions.
Purpose-built for Tasarruf Finansman institutions governed by Law No. 6361. Automate participant group allocations, lottery and drawing management, and transparent monthly installment tracking.
built for law no. 6361
Participation Finance Aligned
Zero-Discrepancy Ledger
Encrypted Draw Registry
Savings group telemetry
audited · verified- 14:02:11participant.onboardedContract #TF-4019 enrolled in Group #120-Auto
- 14:02:09saving.recordedMonthly installment ₺12,500 collected via direct debit
- 14:02:04draw.executedAllocation lottery validated with cryptographic proof
- 14:01:58delivery.cleared₺1,500,000 financing delivered to property seller
- 14:01:52collateral.mortgageDeed registry mortgage annotation verified
Active Savings Pool₺1.85B · 100% Audit
Purpose-built for the unique demands of Tasarruf Finansman
address the strict regulatory and operational rules of interest-free customer pool finance with purpose-built infrastructure.
Allocation
Tamper-proof drawing & queue engine
Cryptographically verifiable draw mechanisms (kura) and seniority-based queue management.
Payment Rails
Recurring installment collection
Support automated debiting, card tokenization, physical branch POS, and mobile banking integrations.
Delivery
Seller escrow & collateral transfer
Safeguard vehicle and home deliveries through escrow accounts and automated title registry integration.
Participation
Strict interest-free compliance
Architecture engineered from day one to honor participation finance guidelines and supervisory mandates.
Transparency
Participant mobile portal
Give customers real-time visibility into savings progress, queue positions, and delivery schedules.
The savings finance customer lifecycle
From contract signature to final mortgage release, ensuring total transparency at every stage.
1
Group Onboarding & Agreement
Customer profiling, group matching, and digital contract signing under BDDK frameworks.
2
Monthly Savings Accumulation
Automated recurring collections with instant participant payment receipt notifications.
3
Allocation Draw & Title Verification
Transparent draw execution, collateral valuation, and seller escrow fund coordination.
4
Post-Delivery Installments & Release
Continued scheduled installment recovery until full payoff and mortgage removal.
100%
audit-trail coverage for bddk law 6361 reporting
0
Discrepancies in draw execution
-50%
Customer support load
99.96%
Uptime SLA across branches
Future-proof your savings finance platform.
Partner with an infrastructure engineered specifically for your regulatory environment.