Loan Origination SystemComing soon
LOS
Digital lending end to end: configurable application journeys, video KYC and face-dedupe onboarding, AI underwriting with explainable scorecards, and same-day disbursal.
- <2sdecisioning
- <8svideo KYC
- Same-daydisbursal
What it does
Built for the work, not the demo.
- 01
AI underwriting
Model-driven credit decisions with explainable scorecards, policy guardrails, and manual-review queues for the gray zone.
- 02
Verified onboarding
Video KYC with liveness, face-dedupe against your customer base, and document OCR — all inside the journey.
- 03
Bureau integrations
CIBIL, Experian, and CRIF pulls wired in, with derived features feeding the scorecard automatically.
- 04
Journey builder
Personal, business, BNPL, and mortgage flows configured per product — no code changes to launch a variant.
Where teams use it
Use cases
- Digital lending for banks, NBFCs, and fintechs
- Embedded BNPL and point-of-sale finance
- Instant pre-approved offers on existing books
- Co-lending origination with partner routing
Technical specs
- Decision latency
- < 2 s
- KYC
- Video · liveness · dedupe
- Bureaus
- CIBIL · Experian · CRIF
- Products
- Personal · BNPL · Mortgage
- Uptime SLA
- 99.99%
Integrate
One endpoint. Minutes to live.
Authenticate with a single key and call LOS from any stack. SDKs for TypeScript, Python, and Go — or plain HTTP.
Read the docscurl https://api.nexoptech.com/api/v1/los/decision \
-H "Authorization: Bearer $TOKEN" \
-H "Content-Type: application/json" \
-d '{ "product": "bnpl", "applicant_id": "app_8821", "amount": 45000 }'
# → { "decision": "approve", "score": 742, "limit": 50000 }