Fintech
WhatsApp-native micro-lending for ZB's Qupa: customers apply, complete KYC, and repay loans without leaving WhatsApp, driven by the AI decisioning engine we built and backed by a full admin console. AI-driven loan decisioning inside WhatsApp, from application and KYC through to repayment.
Reaching borrowers who live on WhatsApp and rarely use apps or branches meant delivering a full regulated lending journey, from KYC to a sound credit decision to repayment, inside a chat thread, without losing compliance rigour.
Lioncap built the conversational lending flows on the WhatsApp Business API and, at the core, the AI decisioning engine that scores credit with explainable results, detects fraud and anomalies, and models risk to inform approvals. Around it sit identity, sanctions, and credit checks, core-lending synchronization, and a Next.js admin console for staff and compliance teams.
Qupa takes a customer from application through KYC to repayment without ever leaving WhatsApp, with the AI engine informing every credit decision and staff overseeing approvals from the admin console.