Onboard, collect and serve customers across WhatsApp, RCS, AI voice, email and SMS, in one continuous conversation built for banks, NBFCs, lenders and insurers.
THE FLOW, SCREEN BY SCREEN
Qualification and verification all inside WhatsApp.
Every screen opens inside the WhatsApp chat. Each answer is verified before the borrower moves on, so the offer at the end is based on checked data.
The PAN is checked for format and status the moment it's submitted.
Name, date of birth and gender come back from the PAN record for the borrower to confirm.
The employer is verified through the UAN record, and the CIBIL score is pulled after consent.
The offer is calculated from verified data. Accepting it starts KYC in the same chat.
THE SAME JOURNEY ON RCS
Loan offers and answers, right in the messaging app.
Not every borrower lives on WhatsApp. On RCS, loan offers arrive as rich cards in the default messaging app from your verified brand. Borrowers pick a loan with one tap, and the AI agent answers their questions on your behalf in the same thread.
Image, offer and buttons in one message from your verified sender, with read receipts.
Borrowers swipe through your products and tap the one they want. Their choice starts the eligibility questions in the same thread.
Trained on your products, rates and policies. It answers on your behalf and hands over to your team when needed.
FOUR BUILDING BLOCKS
What runs the journey behind the chat.
Use them together for a fully automated loan, or one at a time where your team needs help most.
A WhatsApp Flow is a native form that opens inside the chat. Each answer is checked against verification APIs as the borrower fills it in, so you know who is eligible before your team picks up the lead.
Borrowers send salary slips, ITRs, bank statements or property papers as photos or PDFs in the same chat. Each file is read, matched to the checklist and confirmed back, so nothing is missing when the file reaches credit.
Trained on your products, rates and policies, the AI agent answers questions on WhatsApp and RCS at any hour. From the conversation it scores intent, creates a lead in your CRM when it's real, and hands over to a person when the borrower asks for one.
After a form is submitted, the borrower is asked for permission to be called on WhatsApp. Your agents then call from your verified business number, so the call shows your name and badge. Borrowers can tap Call us to reach you from the chat too.
WATCH THE FLOW · LOAN AGAINST PROPERTY
An intent form that turns a pending application into a qualified callback.
Borrowers with a pending application get a nudge in the chat. They fill a short form about the property, are asked if you can call them on WhatsApp, and your team receives a complete lead.
COLLECTIONS
EMI and bill reminders borrowers actually see.
Reminders go out before every due date with a one-tap UPI link. If WhatsApp isn't read, the same reminder moves to SMS, then an automated call.
The amount, due date and a pay link, sent on WhatsApp.
Unread WhatsApp reminders move to SMS so they reach every phone.
A polite voice reminder with the option to pay or talk to an agent.
Confirmation and receipt the moment the payment clears.
ACCOUNT AGGREGATOR
Bank statements by consent, not by upload.
Instead of downloading and uploading PDFs, borrowers pick their bank and approve a consent request through the Account Aggregator framework. Their statements are shared directly by the bank and analysed in seconds.
Inside the same loan flow.
Purpose, period and expiry shown up front.
Eligibility updates straight away.
No edited PDFs or screenshots. Statements come from the source.
Each request shows the purpose, period and expiry, and can be revoked.
Income, EMIs and bounces are read the moment consent is approved.
No hunting for net banking passwords or statement downloads mid-application.
VERIFICATION INSIDE THE FLOW
Checks that used to take days, done while the borrower types.
Every check runs through verification APIs inside the same conversation, so your team receives a borrower who is already verified.
OTP-based verification with the borrower's consent, inside the flow.
Checked for status and name match as soon as it's entered.
Registration, status and filing history for business and MSME loans.
Location, type, value and papers captured for secured loans.
Salary credits, average balance, EMIs and bounces read from uploaded statements or through Account Aggregator consent.
Pulled with consent and matched to your credit policy in real time.
Ready to protect every critical message?
