From sign-up to re-borrow, one system runs the whole loan lifecycle
KYC scoring, robot review, e-signing, auto-disbursement, waterfall allocation, overdue handling and collections — configurable rules, automated flows, fully white-label.
End to end
How one loan moves through the system
Scroll to follow a borrower through ten steps. Every screen on the right is a faithful rebuild of the real product.
01
Sign up
Phone OTP or email and password, with registration fields configured per tenant. OTP can switch between five providers.
02
KYC
ID OCR, contacts, bank card and liveness in four steps — or switch to Didit's hosted verification flow.
03
Credit scoring
Four layers: pre-check → veto → six weighted dimensions → a limit interpolated within score bands, plus bonuses for extra information.
04
Robot review
A rule engine computes a weighted risk score: above the threshold is approved, below is rejected, the middle goes to staff.
05
E-signing
Contract templates render to PDF. Borrowers must watch a risk video, sign by hand, then RAFFTECH signs asynchronously.
06
Auto-disbursement
Create application → assign contract → approve → disburse. Turn on each stage separately; turn on all four for hands-free lending.
07
Repayment
FPX, Razorpay checkout or bank transfer with receipt. Each payment is allocated overdue fee → penalty → each period's fees, interest, principal.
08
Overdue charges
Four overdue calculation modes, configurable per product or tenant. Hourly scans charge penalties and fees automatically.
09
Collections
Case assignment, follow-ups and call outcomes, plus waivers, extensions, due-date changes and settlements — all logged.
10
Re-borrow & upgrades
Match upgrade rules by completed loans and on-time rate to raise limits automatically. Manually set limits stay protected.
Landing page templates
Choose a template, we handle the setup
Eight ready-made landing pages, from midnight glass to editorial print. Choose your preferred style and our platform technical team will configure it for you with one click.
Engine
Rules live in the engine, not in people's heads
4-layer KYC scoring
Pre-check, veto, six weighted dimensions and a limit decision, plus supplementary fraud rules.
Robot review
A weighted risk score drives approve, reject or manual review.
4 overdue modes
From disbursement time, 24-hour, overdue the next day, or overdue on the due date.
Auto-lending pipeline
Four stages with independent switches and a retry cap on failures.
Waterfall allocation
Fees → interest → principal, strictly by period, with partial payments and reversals.
Multi-tenant white-label
Tenants resolved by domain, data isolated per tenant, logos, colours and landing pages configured separately.
- languages
- 10
- languages
- countries / currencies
- 8
- countries / currencies
- repayment methods
- 4
- repayment methods
- overdue calculation modes
- 4
- overdue calculation modes
- scheduled automation jobs
- 12
- scheduled automation jobs
These are built-in capabilities, not customer figures.
Integrations out of the box
- Didit
- Curlec
- Razorpay
- RAFFTECH
- AWS SES
- AWS SNS
- AWS S3
- Web Push
- BlueBird
- NXCloud
Third-party names are shown only to describe integration capabilities.
Security & compliance
A foundation built for financial services
Encryption at rest
ID numbers and other sensitive fields are encrypted and masked by role.
Audit logs
Every admin action and access is recorded and traceable to a person.
IP allowlist
The supervisor portal is allowlisted by IP and signs out after 15 idle minutes.
Signed webhooks
Payment, KYC and e-sign callbacks are verified by HMAC / checksum / MAC.
Tenant isolation
Global scopes filter every query by tenant; APIs are rate-limited per tenant.
See what it can do for your business
We'll run a full demo tailored to your country, products and process, and share deployment and pricing options.