Financial Intelligence System.
Analytics engines and data-driven algorithms deliver:
Financial Operating System.
Embedded administrative functionality drives:
Financial Accounting System.
Platform core banking system delivers:
DLT-Enterprise blockchain smart contracts:
Data science algorithms consume conventional and alternative data to identify and estimate financial risks - focusing on creditworthiness and affordability. Software engines price-in the risk, to deliver deep insight into asset and portfolio value and their contingency dynamics.
Financial product terms and features are offered and approved based on user and admin preferences and risk profiles. Our algorithms and analytics engines unlock scalable, fast, transparent, controlled and automated underwriting of both loans and credit investments.
Deep insight into portfolio risks and asset value - driven by external and platform-held data. Our algorithms also propose structural enhancements to resolve mismatches and manage risks. Products and strategies are recommended, based on targets and preferences.
Connect to external business data sources, and receive deep insights into operational, financial and creditworthiness KPIs - both historical and forecast. Based on user-defined targets, recommendations are made for custom credit products and strategies available.
Connect to external accounts and asset data, and receive deep insights into consolidated portfolio performance and risk KPIs - both historical and forecast. Based on user-defined targets, recommendations are made for custom investment products and strategies available.
Onboarding. Online Applications. CRM. Customer Portal.
Processes. Monitoring. Forms. Tasks.
Smart legal contracts. Customer-related communications and documentation - across onboarding, identity, products, covenants, collateral, positions and so forth.
Configurable reporting tool, to ensure regulatory reporting compliance. Flexible Dashboarding and rich visual reporting of analytics and account positions.
External payments (fund onboarding and offboarding). Business online accounting and bookkeeping data. Client financial assets, accounts and open banking data. Bureau data, and other alternative data.
Native Multi-currency Digital Wallet.
Credit Products: Loans. Lines of credit. Loan Sales, syndications and risk transfer.
Investment Products: P-Notes - Loan participations; S-Notes - Structured flexible fixed-income; Fund units - Ownership in fund pool.
Configurable Chart of Accounts, and user friendly General ledger management. Designed to handle flexible products, fee structures, and transactions. Distributed Ledger enables higher levels of security and coded trust across parties.
Internal and external transactions are configured at the product and service level. On-platform value transfer is accounted for in either a general ledger or a distributed ledger - or both. Interoperability with external payment rails are available through the platform subject to required authentication, identity and access.
Governance of end-to-end asset lifecycle and transfer. From issuance, servicing, transfer, and retirement. Tokenized digital assets enable frictionless financial exchange DLT network.