FAQ

timveroOS is a Building Platform for lending infrastructure, a composable, framework-native architecture built on Java/Spring Boot that sits between rigid SaaS and a fully custom build. Unlike SaaS vendors that lock you into shared infrastructure and fixed workflows, timveroOS gives you full code-level access, on-premises deployment, and the ability to configure policies directly in code. You own the system; we provide the platform.

A Building Platform means timveroOS is not a pre-packaged product you configure through a UI — it is a structured foundation your engineering team (or ours) builds, lending workflows on. The platform ships as Java/Spring Boot modules with an open SDK, so every workflow, decision rule, and integration is written in code your team controls. This gives you the architectural freedom of a custom build at a fraction of the cost and time.

Yes. The Building Platform supports on-premises deployment and private cloud environments with full data residency. Your loan data never leaves your infrastructure. This is critical for banks and fintechs operating under strict data sovereignty requirements — FCA, OSFI, CFPB, DNB, or EBA — and is a core differentiator versus SaaS vendors that require data to reside on shared cloud infrastructure.

timveroAI is a RAG-based implementation agent trained on the timveroOS source code. It automates 70–80% of implementation work, generating configurations, workflow logic, and integration code, reducing a typical 4–6 month deployment to 3–6 weeks. timveroAI runs a shadow-mode validation before any configuration goes to production, with human-in-the-loop approval at each stage. It is an implementation accelerator, not a credit decisioning tool.

On the Building Platform, every credit policy, risk rule, and approval workflow is defined in code - not in a UI that can be changed without a trace. All policy changes are version-controlled and written to an immutable audit log, so regulators and internal compliance teams have a complete, tamper-proof record of every decision. This is the architecture required to pass audits confidently across FCA, OSFI, CFPB, and EBA frameworks.

The Building Platform supports the full lending spectrum: commercial loans and credit lines, invoice factoring, asset-based lending, construction loans, BNPL, installment loans, auto lending, POS lending, and microfinance. Because the architecture is composable, the same platform handles B2B and B2C products simultaneously — banks, fintechs, and credit unions use it to run multiple lending verticals from a single codebase.

With timveroAI, the typical go-live timeline is 3–6 weeks. Without it, a standard implementation is 8–16 weeks depending on your existing infrastructure and the complexity of the lending product. In both cases, the onboarding includes initial environment setup, workflow configuration, bureau and payment rail integration, and UAT — all with our implementation team embedded throughout.

Yes. The Building Platform ships with 90+ ready-to-use integrations, including Experian, Equifax, TransUnion, CIFAS, BKR, ASNEF, and regional equivalents. Payment rail integrations cover ACH, RTP, Zelle, SEPA, iDEAL, Interac, Open Banking (TrueLayer, Yapily), and more. Custom integrations are built via the SDK and can be added without modifying core platform code.

The Building Platform is designed for CTOs, CPOs, and technical leads at banks, fintechs, and credit unions that have outgrown SaaS constraints or want to avoid the cost and risk of a fully custom build. It is the right fit if your team needs code-level control over lending workflows, requires on-premises deployment for regulatory reasons, or wants to launch a new lending product without building infrastructure from scratch.

timveroOS is priced on a T&M (time and materials) basis, calculated individually based on your product scope, team size, and existing infrastructure. There are no per-seat SaaS fees and no revenue-share models. Request a demo to receive a scoped estimate and a breakdown of implementation and licensing costs for your specific use case.

The Building Platform is designed for regulated environments from the ground up. It supports on-premises deployment with full data residency, role-based access controls, end-to-end encryption, and immutable audit logging for all policy changes and credit decisions. It has been deployed by lenders operating under FCA, OSFI, CFPB, DNB, EBA, and other regulatory frameworks across 13+ countries.

Yes. The Building Platform includes full technical documentation at docs.timvero.com, covering the SDK, module architecture, integration guides, and configuration references. Implementation teams have access to a dedicated support channel throughout the project. For extended post-launch support arrangements, contact us through the demo request form.