See it live

The Helm cockpit, on a real loan.

The Helm cockpit on a live loan — TAT counter, STP rate, exception queue, and co-lender bidding, from WhatsApp to disbursement.

01 · Capabilities

What's inside.

We orchestrate above your LMS (OneFin, Lentra) — Helm is the cockpit, your LMS stays the system of record.

22 APIs orchestrated — KYC · Account Aggregator · GST · DigiLocker · UPI mandate · NACH · OneFin LMS · CIBIL / Equifax / CRIF bureau pulls.
HITL gate at decisioning — high-confidence cases auto-decision; edge cases route to the credit committee with full reasoning visible.
Co-lender orchestration — route applications across multiple co-lenders by policy. Live at IFHL.
India DPI fluency — Aadhaar e-KYC + face match · CKYC pull + dedupe · DigiLocker integrated · NACH/UPI mandate native.
Audit-ready by default — every borrower event written to an immutable store. RBI Fair Practices and DPDP retention class enforced.
LOS cockpit UI — TAT counter live. STP rate. Exception queue. Co-lender bidding view. Built for a credit officer, not a developer.

02 · Architecture

The loan, from WhatsApp to bank account.

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

Flow

whatsapp → kyc + aa + gst + digilocker → bureau
  ↓
underwriting → hitl gate
  ↓
co-lender routing → nach → disbursement
  ↓
audit trail · rbi-ready

03 · Live in production

Helm at IFHL.

lending

Helm at IFHL

End-to-end loan origination with co-lending built in. KYC, underwriting, decisioning, and disbursement orchestrated by agents under maker-checker supervision. 50% faster TAT, 99%+ STP, 3 co-lenders live.

Read the case →

What we won't do

Send your PII to a third-party model — Aadhaar, PAN, mobile, and account numbers are stripped before any external call.
Ship without a CLEAR scorecard — every deployment gets a baseline across five dimensions before it goes live.
Add an agent that doesn't earn its place — Gate 1 kills decorative multi-agent designs; each agent must add new signal.

Start with a Diagnose.

Two to three weeks. $6K–$12K. A written scorecard with topology recommendation, cost ranges, and remediation plan. No commitment to build.

Book a diagnosis

Run loans from WhatsApp to disbursement — in eight minutes.

Measured in production.