Frictionless Agent-Led & Digital Onboarding

Borrowers enroll via app, USSD, or through a field agent. The timveroOS platform supports ID, biometric, or OTP verification, plus language capture and consent, even in low-bandwidth offline mode with sync. Lenders configure eligibility by geography, household structure, and group/guarantor rules. Wallets and cash-in agents are mapped directly, with document stips enforced by workflow. All approvals are versioned in code, roles are applied consistently, and audit logs block off-process activity, helping ensure compliance. You benefit from a frictionless, inclusive enrollment experience that boosts agent productivity, reduces leakage, and builds trust from the very first borrower interaction.
Responsible Instant Offers for Thin-File Borrowers

The timveroOS-powered platform for micro lending ingests alternative data — telco usage, wallet transactions, device signals, and employment proxies — and combines them with bank or open-banking feeds where available. Affordability rules, limits, and waterfalls are encoded as policy, supporting both individual and group lending with guarantors. Each decision comes with reason codes, governed override options, and full version history. This enables committees and regulators to see how approvals were reached, helping ensure compliance while minimizing portfolio at risk. With explainability built in, institutions increase approval rates responsibly, without compromising on credit quality or transparency.
Cash-In, Cash-Out, and Settlement Done Right

Disburse approved microloans instantly to mobile wallets or bank accounts. Borrowers can cash out through agents, while institutions configure fees, grace periods, and repayment calendars (weekly, bi-weekly, or monthly). All transactions are tokenized, refunds and chargebacks are managed in workflow, and settlements are posted cleanly to the general ledger. Wallet and provider files reconcile automatically, minimizing leakage and month-end effort. Borrowers and agents access schedules and payoff balances through portals and multilingual reminders, ensuring transparency and trust. For finance teams, it's disbursement and settlement without hidden gaps or reconciliation headaches.
Servicing, Collections, and Top-Ups Without Portfolio Strain

The timveroOS platform automates repayment and collections across wallets, bank debits, and cash agents. Billing and autopay run on schedule, while hardship, extensions, and forbearance are supported in workflow. Pre-delinquency alerts and dunning sequences are configurable by policy, with promises-to-pay logged for audit. PAR30/90 dashboards track delinquency and cure rates, feeding directly into risk monitoring. On-time borrowers qualify for responsible top-ups, strengthening loyalty without spiking portfolio risk. Agents access performance dashboards, while operations teams see variance and leakage reports. Servicing becomes efficient, transparent, and compliant, while repeat lending accelerates sustainable portfolio growth.

Micro Lending Architecture That Mirrors Reality

timveroOS by TIMVERO provides a participant and data model tailored for micro lending: borrowers, groups, guarantors, agents, devices, and wallets. Documents, alternative data, and payment connectors are captured natively. Institutions configure flows — onboard, underwrite, disburse, service, collect, and repeat — assembling micro loan products as code, within your own deployment environment.

timveroOS micro lending architecture diagram

Field agents work seamlessly even in low-bandwidth environments. Store-and-forward sync, multilingual UX, and built-in stips capture keep onboarding accurate. Tasking and workflow guardrails prevent off-process activity, improving efficiency and helping ensure compliance, without the need for custom development.
Offline-First, Agent-Ready Apps
Alternative-data pipelines — from telco, wallet, and device sources — feed explainable scoring models. Affordability, limits, and waterfalls are configured as policy, with governed overrides and versioning.
The result: faster, compliant approvals for thin-file borrowers, without increasing PAR risk or compromising portfolio resilience.
Thin-File Scoring With Policy-as-Code
timveroOS integrates directly with wallets, MNOs, and payment rails. Cash-in/cash-out is automated, settlement calendars are enforced, and GL posting stays clean. Finance teams reduce leakage, simplify audits, and cut month-end effort, while borrowers and agents see transparent balances and reminders in their portals.
Wallet Disbursement and Clean Reconciliation

AI That Strengthens Portfolios Without Harming CX

AI on the timveroOS platform by TIMVERO brings tangible value by scoring thin-file borrowers through alternative data, predicting PAR30/90 and curing probability, flagging device/identity collusion and agent anomalies, as well as recommending responsible top-ups. AI models get trained on your real data — never outsourced — and plug directly into onboarding, underwriting, and collections. With full transparency and explainability, AI supports portfolio growth while helping ensure compliance and protecting against hidden risks.

Approve Thin-File Borrowers With Confidence
Predict PAR30/90 Risk Before It Escalates
Stop Collusion and Fraud Before Losses Hit
Grow Responsibly With Top-Up-Ready Borrowers

AI That Strengthens Portfolios Without Harming CX

Banks

timveroOS is an exceptional loan management solution for banks. Its comprehensive features, such as automated workflows, precise analytics, and scalable capabilities, empower banks to streamline loan operations, enhance risk assessment, and optimize their lending portfolios efficiently and effectively.
Credit Unions

timveroOS is a powerful loan management solution tailored for credit unions. With its robust features, including customizable workflows, integrated analytics, and seamless integrations, credit unions can streamline loan processes, improve risk assessment, and provide a superior borrowing experience to their members.
Finance Companies (Fintechs)

timveroOS is a cutting-edge loan management solution designed specifically for fintech companies. With its advanced features, such as API integrations, configurable workflows, and data-driven analytics, fintechs can optimize loan origination, enhance risk assessment, and deliver a seamless end-user experience. The platform empowers fintechs to scale their lending operations almost limitlessly and achieve greater success in the competitive market.

80% ready-to-use lending infrastructure supplied

Finom

timveroOS partners with a fast-growing European fintech to launch a multi-country proactive credit product for SMEs delivering full automation, regulatory compliance, and rapid market rollout at a fraction of the cost and time of traditional banking systems.
Read now
90% cost reduction compare to the previous solution

Cartiga

timveroOS enables a US-based litigation finance company to launch complex working capital products for law firms while achieving full automation, faster time to market, and significantly lowering costs compared to their previous enterprise platform.
Read now
100% bespoke origination requirements coverage

AMIO Bank

timveroOS enabled a leading Armenian bank to transform a complex lending concept with guarantor support into a fully automated, production-ready solution. The platform ensured full compliance and rapid deployment - bringing the new product to market in just six months.
Read now