Platform capabilities
Thirty-one modules built around one loan contract. Each works on the data of the others, so a figure in a report matches the figure in the payment schedule.
Origination
From the first lead to a signed contract: checks, scoring, compliance and a committee decision on borderline applications.
- Leads and sourcesLeads with campaign tags before the application: assignment, contacts, qualification and conversion into a customer.
- Applications and pipelineOne application pipeline across every channel with configurable check steps.
- Scoring and explainabilityFive scoring engines and a mandatory explanation for every automated decision.
- Credit bureausReport requests and reverse publication of contract events to the bureau of each country.
- State registry checksTax debts, enforcement proceedings, insolvency and courts across the sources of five countries.
- AML and sanctions screeningPEP, sanctions lists, adverse media and preparation of financial intelligence reports.
- Credit committeeA collegial decision with quorum, voting and a review deadline.
Portfolio
Products, accruals, contract modifications, collateral and insurance across the whole life of a contract.
- Product builderPDL (payday), instalment, credit line, POS, business and collateral products in one builder.
- Servicing and accrualsDaily accruals, payment schedules and allocation of incoming funds across debt components.
- Credit linesRevolving lines, overdrafts and corporate tranches with utilization control.
- Contract modificationsPause, extension, restructuring, partial early repayment and debt forgiveness.
- CollateralReal estate, vehicles, jewellery and equipment with appraisals and encumbrances.
- InsuranceInsurance products at disbursement, cancellation during cooling-off and claims tracking.
Money and recovery
Receiving and paying out funds, overdue work, funding with an investor cabinet, liquidity and portfolio analytics.
- Money in and outEleven acquirers in five countries, autopay and reconciliation of every operation.
- Collection and assignmentFive escalation stages, promises to pay, courts and sale of claims.
- FundingRaising investor funds, bond series and payouts with withholding tax.
- Investor cabinetInvestments, a payout schedule with withheld tax, the contract in PDF and an early return request.
- Liquidity and capitalMaturity gaps, stress scenarios and capital adequacy control.
- BI and portfolio analyticsVintages, non-performing assets, delinquency distribution and snapshots without external exports.
Regulator and accounting
Regulator rules of five countries, reporting forms, provisions, taxes, accounting and a provable history of every action on a contract.
- Regulator rules by countryRate caps, debt burden, cooling-off and collection limits of five countries, versioned with a legal reference.
- Regulatory reportingForms of the Bank of Russia, ARDFM, NBKR, the Central Bank of Uzbekistan and the FRC of Mongolia, regulator requests and deadlines.
- Expected loss provisionsIFRS 9 stages by days past due, country provisioning rates and a daily recalculation.
- Tax reportingTax forms per jurisdiction and withholding tax at the source of payment.
- Accounting and 1CPublishing events to the accounting system over HTTP or file exchange.
- Audit and securityAction log, API keys, webhooks and storage of integration secrets.
Platform
Islamic products, the borrower cabinet, staff roles, notifications, multi-organization setup and connection points for external systems.
- Islamic financeMurabaha, tawarruq, qard hasan, ijarah, musharaka, salam, istisna, mudaraba, wakala and sukuk.
- Borrower cabinetApplications, payments, documents, complaints and early repayment on the borrower side.
- Staff roles and permissionsEight roles, eighty-nine permissions, a personal approval limit and sign-in with A3.ID.
- SMS and notificationsSMS gateways of five countries, email and a send log with retries.
- Multi-tenancy and data regionSeveral organizations on one installation, data isolation and a choice of storage region.
- Integrations and APIPublic API, webhooks and provider connection points instead of hard-wired links.
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