The financial operating system
Lending, customers, credit, accounting, risk and operations — connected in one financial infrastructure, built for independent lenders, MFIs, credit unions, SACCOs, cooperative banks and credit bureaus.
Portfolio
$12.84M
+4.2%
Active loans
8,421
+312
PAR 30
2.84%
-0.31pp
Portfolio growth · 12 months
USD
Collections
$1.42M
Customers
34,820
Branches
12
Multi-tenant by architecture
Institutions of different types, sizes and regulators operate side by side on the same infrastructure. Every tenant receives its own logical security boundary, configuration, users, permissions and financial data.
Isolated tenant
Independent lender
$4.2M
Portfolio outstanding
3 products · 1 office · 6 operators
Isolated tenant
Microfinance institution
24,820
Active customers
Group lending · 9 branches · field collections
Isolated tenant
Credit union / SACCO
8,402
Members
Savings · shares · 12 branches
Shared platform services — identity, entitlements, ledger primitives, credit intelligence — sit beneath every tenant without ever crossing a tenant boundary.
Built for your institution
Capability entitlements activate only the modules your institution is licensed and configured to run — so an independent lender never carries a deposit-taking interface it cannot use.
Originate, service and collect loans without the weight of a traditional core banking system.
Explore lendingBorrowers, groups, loan cycles, collections, branches and portfolio performance in one book.
Explore MFI operationsMembers, savings, shares, lending and branch financial operations under one member record.
Explore cooperativesModern infrastructure for lending, accounting, risk, reporting and institutional control.
Explore institutionsConsent-gated credit data exchange, de-identified subjects and institutional reporting.
Explore credit intelligenceCapabilities
Not a wall of features — six operational domains that cover the institution end to end.
Lending
Customers
Finance
Risk
Operations
Intelligence
The product
Portfolio, arrears, collections, members and branch performance in a dense operator console designed for institutional work — not a consumer banking app.
Portfolio
$12.84M
+4.2%
Active loans
8,421
+312
PAR 30
2.84%
-0.31pp
Portfolio growth · 12 months
USD
Collections
$1.42M
Customers
34,820
Branches
12
Portfolio
$12.84M
Active loans
8,421
PAR 30
2.84%
Collections
$1.42M
Customers
34,820
Journals posted
128,904
Connected workflow
Each transition is a governed state change: reasons are mandatory, limits are enforced, and every step writes to the ledger and the audit trail.
01
Customer
Directory
02
KYC
State machine
03
Application
Origination
04
Assessment
Scoring
05
Approval
Limits
06
Disbursement
Ledger
07
Repayment
Waterfall
08
Collections
Arrears
09
Accounting
Journals
10
Reporting
Regulator
Security
Financial data deserves infrastructure-grade security. Tenancy is derived on the server and enforced by the database, so an application bug cannot leak another institution's book.
Every tenant-owned row carries tenant_id behind a Postgres row-level security policy.
Data protected in transit and at rest, with private per-tenant document storage.
Role-based access plus a granular create / approve / export / override permission matrix.
Append-only audit trails; updates and deletes rejected at the database level.
Idempotency keys, balanced posting checks and concurrency-safe financial operations.
Server-derived tenancy — a client-supplied tenant identifier is never trusted.
Tenant A
Own users, products, ledger, documents
Tenant B
No shared rows, no shared credentials
Architecture
A single secure API layer above tenant-scoped services and a Postgres core where row-level security is the last line of defence.
Lender
Tenant A
MFI
Tenant B
SACCO
Tenant C
Secure API layer
Authn · authz · rate limits
Service layer
State machines · posting rules
PostgreSQL + RLS
tenant_id enforced per row
Offline-first operations
Continue serving customers, recording field activity and managing branch operations with offline-capable workflows designed for unreliable connectivity.
Online · platform
Authoritative ledger, approvals and reporting — reconciled the moment a device reconnects.
Offline · field device
Configure, don't customize
Configure the platform around your institution instead of rebuilding your institution around the software.
Your financial ecosystem
Payments, banking rails, identity, bureaus and accounting systems integrate through one authenticated API surface.
Intelligence
Real-time visibility across your portfolio, branches, customers, products and financial operations.
Portfolio growth
+18.4%
Portfolio at risk
2.84%
Collections rate
96.2%
Branch performance
12 ranked
Pricing
Pricing follows institutional shape — size, users, branches, customers, portfolio, modules and API usage — not a flat per-seat fee.
Starter
Independent lenders
Lending, customers, KYC and reporting for a single office.
Growing
Expanding lenders & MFIs
Multi-branch operations, collateral, savings and accounting.
Professional
Credit unions & SACCOs
Full financial operations with configurable approval governance.
Enterprise
Banks & bureaus
Credit intelligence, integrations and institution-specific controls.
Start with lending. Add financial operations, accounting, risk and credit intelligence as your institution grows.