Origination, servicing, collections, real-time risk. One runtime. Klyqo composes the full lending journey in typed code and dispatches every step through a marketplace of risk, decisioning and servicing providers. The bank stack around your loan book, without rebuilding it.
Every lending startup spends six months building plumbing nobody is paying them for. Origination flows, servicing dashboards, collections sequences, risk pipelines. None of it is the differentiation.
When KYC takes two days, scoring takes an analyst, and disbursement waits on ops, customers drop. Your conversion is set by the SLOWEST step in your pipeline, not the fastest. Most lending startups lose 30-50% of qualified borrowers between application and disbursement.
Payment scheduling, dunning sequences, restructuring offers, statement generation, regulatory notifications. Built as separate scripts they become an ops nightmare. Built as durable journeys they become reliable infrastructure.
Real lending risk is dynamic: cash-flow changes, repayment behaviour, alt-data signals. Most stacks score once at application and don’t reassess until something defaults. That’s how you build a portfolio that surprises you.
Every lending journey expressed as typed TypeScript, dispatched through a marketplace of risk, decisioning and servicing providers. End-to-end coverage: origination through collections, all replayable, all audited.
Application → KYC → real-time scoring → underwriting → offer → acceptance → disbursement, in one TypeScript file. Each step dispatches in seconds. Each step is replayable. The drop-off you used to measure in days, now measured in minutes.
Payment scheduling, statement generation, dunning sequences, restructuring offers, all defined as durable journeys. Wait days between steps without burning compute. Pick up exactly where you left off if a step fails.
Scoring engines from the marketplace re-evaluate borrowers on every signal: incoming payment, missed reminder, new bureau pull, alt-data event. Your portfolio reflects what’s happening NOW, not what was true at application.
The Risk Protection rail provides credit risk scoring, collections workflows, impairment provisioning, FX exposure tracking out of the box. The Compliance rail exports per-tenant audit logs to the reporters your jurisdiction expects (BNA, FCA, ECB, RBI).
A pre-shaped journey + recommended provider bindings for end-to-end consumer microcredit: application, scoring, decisioning, disbursement, servicing, collections. Clone, modify, deploy.
Includes the typed journey definitions for application capture, KYC dispatch, real-time scoring, underwriting decisioning, offer acceptance, disbursement, payment scheduling, dunning, and the audit trail spanning all of them. Default bindings are mock adapters so you can run locally before binding to live providers.
Talk to us about your lending play. Thirty minutes. No deck. We’ll show you the runtime, walk through the microcredit blueprint, and tell you honestly whether Klyqo fits your shape.