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.

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.

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.

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.