A complete lending infrastructure for Housing Finance Companies — from KYC to disbursement.
Complete identity verification for every borrower
FusionKYC's identity engine handles the full Aadhaar verification waterfall — OTP eKYC for online borrowers, Offline XML QR for areas with poor connectivity, and supervised manual override when both are unavailable. Every step is logged in an immutable audit trail.
Fusionpact Underwriting Engine — decisions in under 4 minutes
Our AI underwriting engine applies hard knockout rules first (LTV, FOIR, bureau, KYC minimums), then reasons over grey-zone applications using advanced language models. Every decision includes RBI-mandated reason codes in the borrower's preferred language.
Offline-first Android app for field relationship managers
Built in Flutter for Android, the RM app works in areas with no internet connectivity. Applications, KYC data, and income declarations are stored locally in SQLite and automatically synced to the backend when connectivity returns.
Regulator-ready from day one
Every workflow in FusionKYC is designed around current RBI directives. Compliance reports, consent records, and audit trails are generated automatically — no manual effort required from your compliance team.
Purpose-built dashboards for every team member
FusionKYC's five-tier access system ensures every stakeholder sees exactly what they need — nothing more. Roles are managed by HFC admins with full audit logging of all changes.