aminobots lens — helm · codename helm

run loans from whatsapp to disbursement.

NBFC LOS command-centre. 22 APIs orchestrated — KYC, AA, GST, DigiLocker, UPI mandate, NACH, OneFin LMS. HITL gate at the decisioning step. Co-lender bidding built in. RBI Fair Practices + DPDP audit-ready.

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01 · capabilities
what's inside
  • 22 APIs orchestratedKYC · Account Aggregator · GST · DigiLocker · UPI mandate · NACH · OneFin LMS · CIBIL / Equifax / CRIF / Bureau pulls.
  • HITL gate at decisioningHigh-confidence cases auto-decision. Edge cases route to credit committee with full reasoning visible.
  • Co-lender orchestrationRoute applications across multiple co-lenders by policy. NIRA + Freo live at IFHL.
  • India DPI fluencyAadhaar e-KYC + face match · CKYC pull + dedupe · DigiLocker integrated · NACH/UPI mandate native.
  • Audit-ready by defaultEvery borrower event written to immutable store. RBI Fair Practices and DPDP retention class enforced.
  • LOS cockpit UITAT counter live. STP rate. Exception queue. Co-lender bidding view. Built for a credit officer, not a developer.
02 · architecture
the loan as it flows from whatsapp to bank account.

Borrower message arrives on WhatsApp. Document agent extracts. AA pulls bank statement. GST returns parsed. DigiLocker fetches voter ID. Bureau pull (CIBIL + Equifax + CRIF) runs in parallel. Underwriting decisioning proposes; HITL gate fires for edge cases; credit officer approves. Co-lender routing happens against policy. NACH mandate signed. Disbursement fired. Every event audit-logged.

whatsapp → kyc + aa + gst + digilocker → bureau
  ↓
underwriting → hitl gate
  ↓
co-lender routing → nach → disbursement
  ↓
audit trail · rbi-ready
03 · lighthouse
live in production
lending

NIRa @ IFHL

End-to-end loan origination running with three co-lenders (IFHL + NIRA Finance + Freo). KYC, underwriting, decisioning, disbursement orchestrated by agents under maker-checker supervision. Read the case →

50%
faster TAT
99%+
STP rate
3
co-lenders live
ready to evaluate

start with a diagnose.

Two to three weeks. Five to ten lakh. A written scorecard with topology recommendation, cost ranges, and remediation plan. No commitment to build.

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DPDP-ready by design AWS · Azure · GCP blueprint · patent pending India residency · on-prem option