Retail
Unsecured consumer and card lending.
- Personal loans
- Consumer durable
- Vehicle
- Education · cards
Trustt · Lending CloudStand up a lending business
Stand up a lending business
in about four weeks.
Trustt Lending Cloud is a pre-configured lending platform that lets a bank or NBFC launch retail, MSME, secured or rural loan products in about four weeks.
A pre-built lending core, LOS, decisioning, servicing and collections on one data layer, with function-built voice and chat agents on every stage. Grounded in your systems and bounded by your rules. Live in weeks, billed as your book grows.
~4wks
Kickoff to production pilot
14+
Pre-built products on one core
100%API
Every stage, versioned
Product
Personal loan · unsecured
Stack
LOS · BRE · LMS · LCS · one data layer
Identity
eKYC · Account Aggregator · eSign
Agents
Intake · Doc/KYC · Servicing · PTP Closer
Voice
11 languages + Hinglish · ≈1.2s
Deploy
Shared cloud · pay-as-you-go
Controls
RBI · DPDP · replayable audit
go-live · ~4 weeks
configuration-led
Products
14 products. One core.
Four lending books on the same origination, rules, servicing and collections layer. A new product ships as configuration.
MSME
Working capital and business lending, on cash-flow data.
- Working capital
- Business loan
- Supply chain
- Invoice · anchor
Secured
Collateral-backed, with valuation and title in the journey.
- Home · LAP
- Gold
- Loan against securities
Rural & inclusion
Group, agri and assisted lending in local languages.
- Microfinance · JLG
- Microfinance · SHG
- Agri Loans
- Rich banking APIs
- Low-code journeys
- Workflow orchestration
- Analytics and reporting
- eKYC and e-sign
- Horizontal scale
$1Bn+ disbursed · 100+ institutions · launches in weeks
The core · Digital Lending
Four pillars on one data layer.
The engine underneath everything: origination, rules, servicing and collections on a single applicant context, with identity as a shared rail. This is the system of record, explainable, replayable, and the same one running at 100+ institutions. The agents ride on top of it.
Pillar 01 · LOS
Loan origination
Conversational intake in the customer’s language. Aadhaar, the Account Aggregator and document intelligence assemble the application, and every field carries its source.
chat · voice · weblow-code journeysAA prefill
Pillar 02 · BRE
Credit decisioning
200+ variables against your policy. Approve, price and structure in about five seconds, with the reasoning written at decision time and replayable later.
≈5s decision200+ variablesreasons attached
Pillar 03 · LMS
Loan management
The full post-disbursal life on one loan object: every repayment shape Indian lending uses, restructuring, accounting and co-lending, in real time, with no end-of-day blackout.
every EMI shapeGL & provisioningco-lending
Pillar 04 · LCS
Loan collections
Signals surface stress before an EMI is missed; strategy decides who is contacted and how. The promise is written back to the book, validated against what was actually said.
strategy enginePTP write-backguardrails
Identity, shared rail
KYC, KYB, eSign and verification live inside the same spine that decides and services the loan.
eKYCKYBeSignLivenessVault
One applicant context, from first message to last rupee. Rich, versioned APIs on every stage, low-code journeys on top.
AI agents · on the core
An agent on every stage, each built for one job.
Voice and chat specialists, each scripted and guardrailed for exactly one function, run on the same loan object the core writes, and hand the call to the right colleague, or to a person, mid-conversation.
Voice & Agentic layer
11 languages + Hinglish≈1.2s response1,000+ concurrentgrounded · guardrailed · replayable
IntakeChat, voice or webDrop-off recoveryRe-engages within minutesOffer activationReaches the pre-approved list
LOS
Origination
Agents fill and rescue the application, in the customer’s language.
Doc intelligenceStatement · GST · ITRKYC verifierAadhaar, PAN, livenessExtractionFields with confidence scores
BRE + Identity
Decisioning
Agents prepare and verify. The policy decides.
Support conciergeAccount questions, any hourPayment remindersNudges before the due date
LMS
Servicing
Balances, dues and statements answered from the live LMS.
PTP closerNegotiates a date that holdsDispute managerLogs, tracks and closesHardship triageRoutes to restructure or relief
LCS
Collections
The call happens; the promise is captured and written back, validated.
The policy decides; the model executes.
every call source-tagged · transcript retained · replayable for 7 years
Conversational Intake
Chat, voice or web. Assembles the application in the customer’s language.
→ hands to Doc intelligenceLOS
Drop-off Recovery
Re-engages a stalled application in the channel it stopped in, within minutes.
→ hands to Application assistLOS
Offer Activation
Works a pre-approved list conversationally, beyond branch calling capacity.
→ hands to IntakeLOS
Document Intelligence
Reads bank statements, GST and ITR. Every field source-tagged and confidence-scored.
→ feeds the rules engineBRE
KYC Verifier
Identity, address and consent calls. Mismatches flagged instantly.
→ hands to Risk queueIdentity
Support Concierge
Balances, due dates and statements, answered from the live LMS.
→ hands to Any specialistLMS
Payment Reminder
Pre-due nudges with a payment link. Conversational, no pressure.
→ hands to PTP CloserLMS
PTP Closer
Locks the promise: exact amount, exact date, confirmed twice, written back.
→ hands to SMS confirmLCS
Dispute Manager
Freezes the collections track the moment a charge is contested.
→ hands to Human floorLCS
Hardship Triage
Listens for distress and routes straight to a trained person.
→ hands to Human, priorityLCS
Consolidator
Negotiates overdue accounts into one plan, inside approved bands.
→ hands to PTP CloserLCS
Campaign Orchestrator
Assigns the right specialist to every call and re-routes mid-call.
→ routes to all of the aboveGrowth
Context, tone and the full transcript travel with the call, nobody asks “can you repeat that?”
Why a cloud
Six reasons it ships in weeks.
The platform is the same one running at 100+ institutions. The cloud is how you consume it: pre-built, owned by your team, and priced to grow.
Pre-built & customizable
Products ship configured. Your team reshapes journeys, rules and approval matrices in an afternoon, with no vendor release and no ticket.
End-to-end on one core
LOS, BRE, LMS and LCS on a single data layer. A new product removes integration work.
API-first
Every stage is a clean, versioned API with typed errors and webhooks. Build your own front-end, or launch on ours.
Compliant by design
RBI conduct, DPDP, KFS and purpose-bound consent live inside every journey. Every decision and call is replayable.
Faster go-to-market
Delivered as SaaS. Kickoff to a production pilot in about four weeks, with no multi-quarter integration programme.
Flexible pricing
Pay as you grow: per application, per active loan, or a platform fee. Cost scales with the book.
Trustt architecture
Compliant by Design
Every control here is auditable from day one.
▷RBI-aligned digital lending▷DPDP Act · India residency▷ISO 27001▷PCI DSS Level 1▷CERT-IN▷Quarterly VAPT · annual red team
Explainable decisions
Reason codes, variable weights and the policy version, written at decision time.
Replayable
Any decision re-executes against frozen inputs, returning the same outcome.
Consent & KFS built in
Purpose-bound consent, KFS, cooling-off and grievance in every journey.
Conduct enforced by platform
Calling windows, DND and retry caps checked before dial; late-bucket scripts are locked.
Every action logged
Decision, prompt, call and disbursal, reconstructable for seven years.
Safe by construction
Idempotent disbursal, source-tagged facts, scoped agent actions bounded to your rules.
ImplementationEnd-to-end,
End-to-end,
in four steps
No heavy IT lift and no multi-quarter integration programme. A typical bank or NBFC goes from kickoff to a production pilot in a month.
- Step 1
Discover & set up
Environment provisioned, current products and credit policy mapped.
- Step 2
Configure
Products, journeys and decision rules configured in LOS and BRE.
- Step 3
Integrate
KYC, bureaux, Account Aggregator, disbursal and core banking wired via APIs.
- Step 4
Go live
UAT sign-off, pilot cohort onboarded, production launch.