LENDING

With our easy-to-use APIs, you can launch your own loan product or platform in weeks, from onboarding to disbursement to repayments!

Step 1

Onboard Customers With Ease

Using KYC APIs, seamlessly onboard consumers. Using your app or WhatsApp, extract information from important identity documents and validate it against public repositories like UIDAI and CKYC.
Step 2

Evaluate Risk With Underwriting

With the Credit Bureau Lending API module, you may assess your customers' creditworthiness. With just two clicks, retrieve GST returns, E-way bills, and E-invoices from GSTIN to examine customers' financials.
Step 3

Facilitate Swift Disbursement

Use the Accounts module and Payments APIs to quickly disburse loans to consumers. Validate bank accounts and UPI handles using Penny Drop APIs and Validate VPA to reduce fraud. Reconcile disbursements in real time and in a smooth manner.
Step 4

Automate Repayments

Streamline your collections with ENACH or UPI Auto-pay recurring requirements, which eliminate the need for repeated reminders. For collections within your app, use UPI payment links or virtual bank accounts. Use Decentro's social media payments and conversational banking!
Step 5

Issue Cards & PPIs

Issue prepaid cards with unsecured or secured credit lines, and regulate who receives payments using real or virtual cards, including UPI payments. Every time you use the card to make a purchase, you'll earn more interchange revenue.