4.7/5 TrustpilotCheck Every Consumer Loan File’s KYC Before You Disburse
It compares identity, address and income documents across each consumer loan file, tests every document for tampering, and routes exceptions to your credit team before money moves.
Checked Against Your Credit Policy, Every File
More Than 10 Forensic Checks per Document
The Consumer Loan KYC Fraud AI Agent checks the identity, address and income documents in each loan file against each other and your credit policy, tests every document for tampering, and routes exceptions to a credit officer who makes the final decision.
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AI Checks the File. Your Team Keeps the Decision.
Checks Run on Arrival
Every loan file is checked as soon as its documents come in.
Your Officers Decide
Exceptions and final sign-off stay with your credit team.
Sign-Off in Your Order
Approvals follow your sequence; out-of-order sign-off is blocked.
Inside Your Network
Run on-premise so borrower documents stay with you.
Three Teams Check the Same File. Tampering Still Gets Through.
Most lenders check KYC by eye at login, again at credit, and again in a post-disbursal sample.
Checked by Eye
Staff compare names and addresses across documents by hand. A small mismatch on a busy day slips past.
Edits Look Real
An edited bill or statement looks genuine on screen. Nobody at the desk can test the file itself.
Found After Disbursal
Sampling catches problems weeks later. By then the money has gone out and recovery is harder.
Six Checks on Every Loan File
Expand a check to see what the agent compares and what it flags.
Name, date of birth and address are compared across PAN card, Aadhaar card and address proof, with the rule and threshold visible for each comparison.
Each document runs through more than 10 forensic checks for tampering, so an altered bill or statement is flagged before its data is trusted.
Income on salary slips is compared with credits on the bank statement, and any gap beyond your threshold is flagged for your credit team.
Your own rules run on every file, such as an address proof dated within your window or a loan amount within the dealer quotation.
Documents that already appeared in another file are flagged, so one set of papers cannot back two loans.
Approvals must follow the sequence you set. An out-of-order sign-off is blocked, not just recorded.
What One Loan File Check Looks Like
An example two-wheeler loan file, from upload to a signed-off decision. Your rules and documents will differ.
Arrives
The file arrives under its loan application number with a PAN card, Aadhaar card, electricity bill and dealer quotation.
A Decision Your Auditor Can Retrace
One trail behind every result
- Every check run, with its result
- The rule and threshold behind each result
- Who signed off, and in what order
- The final decision message for the file
Evidence where your team needs it
- Exceptions routed to the credit officer you name
- A bundle report you can export or email
- Checked data out through Excel, CSV or API
- A clear pass, fail or not-applicable per check
Where the Agent Stops
Clear boundaries keep the decision with your people and your policy.
No automated loan decision
It does not approve or reject a loan. Your credit officer does.
No replacement for identity verification
It checks the documents in the file; keep your existing government-database or video KYC step.
No policy changes without approval
New or changed checks go live only after your team approves them.
Works With Your Intake and Your Loan System
No new system for your team to learn. Files arrive where they already do and checked results move on.
Your LOS or core banking system
Checked data and decisions move through Excel, CSV or API.
Documents Processed
The same engine checks invoices, statements and loan files across industries.
Faster Turnaround
Files move from upload to a signed-off decision five times faster.
Forensic Checks per Document
Every document is tested for tampering before its data is used.
Document Types
KYC, income and address documents, plus custom types you define.
Borrower Documents Can Stay Inside Your Network
The Consumer Loan KYC Fraud AI Agent runs on-premise as well as in the cloud, with the same checks either way.
Discuss an On-Premise Deployment
SOC 2 and ISO 27001Enterprise-ready controls
Retention under your controlApply your own document policies
Private or on-premiseChoose the deployment modelQuestions About the Consumer Loan KYC Fraud AI Agent
Everything credit, risk and audit teams usually ask before a pilot.
It checks KYC documents in every loan file, compares names, dates and addresses across documents, tests each document for tampering, and applies your credit policy rules.
More Ways to Check the Documents
Behind a Loan
See the Agent Check Your Own Loan Files
Send us a sample of loan files. We run the checks in a Free Proof of Concept and show you every flag with its evidence.