1. OTP signup
Borrower enters phone and email. Dual OTP validates identity. No password to remember.
Borrower portal
A complete digital experience for your borrowers.
Installable web portal (PWA) and dedicated mobile app for Android + iOS (Kotlin Multiplatform). Signup, KYC, loan application, repayment tracking — designed for users taking their first step into digital.
The borrower journey
From signup to application, in 4 simple steps.
Every screen is built to be clear, accessible, and move the user forward without friction.
2. Digital KYC
5-screen form: personal info, professional info, ID card front-back, selfie. OTP-signed, then reviewed by the agent. All from their mobile.
3. Simulation and application
Amount-term sliders, live monthly payment display. Draftable. Submission in 10 minutes.
4. Tracking and repayment
Personal dashboard, payment schedule, pre-due notifications, automatic receipts and bank attestations (with publicly scannable QR).
Key features
What your borrowers find in the portal.
No clutter. What matters: apply, track, pay, get notified.
100% digital onboarding
5-minute signup via dual OTP (SMS + Email), 5-step KYC, remote validation by agent.
Remote KYC with selfie
ID card front/back, verification selfie, OTP-signed consent. Visual review by the agent through a dedicated validation workflow.
Real-time loan simulator
Adjust amount and term, displays monthly payment and total cost instantly. Application draft save.
Mobile app for Android + iOS (Kotlin Multiplatform)
Shared Kotlin Multiplatform codebase with Compose UI: OTP onboarding, KYC, simulator, loan request and tracking, push notifications, offline local cache (SQLDelight).
Bank attestations with public QR
PDF generation of attestations (good standing, closure, active loan) with QR scannable by a third party for public verification. Issued from the borrower portal.
Multi-MFI login
A borrower with loans across multiple MFIs enters their number once, picks the institution, receives the OTP. No fragmented experience.
Google sign-in (OAuth)
Borrowers can sign up and log in via Google in addition to SMS OTP. Faster access for users who already have a Google account.
Mobile biometrics
Silent re-authentication on Android and iOS via fingerprint or Face ID after opt-in. Avoids retyping the OTP on every app launch.
Installable web portal (PWA)
The borrower portal installs to the home screen like an app, works offline for browsing, and receives web push notifications (VAPID).
Show the portal to your team.
We can prepare a clickable demo with your logo and loan products.