Underwrite, monitor, and collect on autopilot.
Trazmo's AI agents automate the lending operations that eat your team's week: statement spreading, portfolio monitoring, collections, reconciliation. You keep the credit decision, the book, and the licence.
The automation layer
Four agents run the operations, not just the math
The work that eats a credit team's week, done in software. You keep the decision, the book, and the licence.
Statement spreading, automated
Reads bank, card, POS, and e-commerce data on intake and returns decision-ready signals. A year of statements in minutes, not a week.
WE CALL IT DOCUMINDPortfolio early-warning
Watches live exposures for deterioration and flags the worst first, before the month-end pack says so.
WE CALL IT RISKRADARCollections on schedule
Reminders, promise-to-pay capture, and escalation run on your cadence, with an officer in the loop for anything sensitive.
WE CALL IT COLLECTBOTDaily auto-reconciliation
Matches bank movements against the ledger every day and surfaces only the exceptions. Balances reconcile as money moves.
WE CALL IT RECONAIThe operational work exists either way. The question is who does it.
Today
Your team does it by hand
Every step is a desk. Weeks pass before a file is decision-ready.
On the rail
The agents do it, in software
Each step is an agent doing the work. Your team reviews and keeps the decision.
The platform
The rail underneath: adopt one, compose the rest
Policy rules plus model scores, every decision explainable and logged.
KYB, documents, and statement consent collected in one pass.
Portfolio monitoring and disbursement in one view, maker-checker enforced.
Double-entry, built on TigerBeetle. Every movement posts in real time, balanced by construction.
Funding positions, disbursement capacity, and concentration in one layer.
Automated statement spreading (DocuMind), portfolio early-warning (RiskRadar), automated collections (CollectBot), auto-reconciliation (ReconAI). See each agent.
Connects to your stack
Plugs into the systems your teams already run
Bank statement feeds
Direct uploads or account aggregation across local banks
Card & POS networks
Settlement and acquiring data from card and POS providers
Bureaus & registries
Credit bureau pulls and government business registries
Core banking systems
Sits alongside your core; Vertex exports to your chart of accounts
REST APIs & webhooks
Every arrow on the rail is an API. Embed it or build on top
Specific provider integrations are scoped per engagement. Named connectors shared under NDA.
From lead to a credit-ready file before Trazmo Rails, almost all of it manual
Files now reach the credit team review-ready, on the rail
Digital intake, with zero re-keying across desks
Figures from the Wasl Financial Services SME origination program.
Case study · Wasl Financial Services
How Wasl collapsed a twenty-day pipeline into a single day
Wasl Financial Services was losing three weeks to paper before a credit officer ever saw a file. On Trazmo Rails intake went fully digital, DocuMind extracts every application on arrival, and partners send structured leads, so files reach the credit team review-ready in under a day.
Before
20 daysEverything before the decision was manual
After, on Trazmo Rails
<1 dayThe rail does the work, Wasl decides
Trazmo turned our lead intake into a digital pipeline. Applications that used to take the better part of a month to process now reach a credit officer in under a day, review-ready.
Laiba Nadeem · Wasl Financial Services
Who it's for
Built for every shape of SME lender
Add a fast SME lane without re-platforming the core. Sentinel and DocuMind sit in front; decisions stay with your committee.
SCALE AN UNDERSERVED SEGMENTRun the whole rail (originate, decide, disburse, collect) without building ledger and treasury infrastructure yourself.
FULL ORIGINATE-TO-COLLECTShip on day one with APIs for scoring, settlement, and reconciliation. Compose only the modules you don't want to own.
API-FIRST, COMPOSABLEOffer credit inside your marketplace or POS product. Route applications to partner lenders on one rail, under your brand.
CREDIT AS A FEATUREBuilt for your risk and diligence teams
Full security & compliance postureEncrypted end to end
TLS 1.2+ in transit, AES-256 at rest, separate key scopes for PII
Data stays in-region
In-country deployments per your regulator; single-tenant available
Every decision audited
Immutable trail of inputs, rules, and operator on every decision
No credit risk held
Infrastructure, not a lender. The book and the licence stay yours
SOC 2 Type II audit underway; the report and current controls are available under NDA on request.
Common questions
The questions risk and IT teams ask first
More detail on the security page or in a working session.
Do you hold any credit risk or lend off your own balance sheet?
No. Trazmo is technology infrastructure. We hold no book, take no credit risk, and never compete with the institutions we serve. Lending decisions, licences, and balance sheets stay entirely with the regulated lender.
Where does borrower data live?
Deployments run in-region. Pakistani client data stays in Pakistan-approved infrastructure; GCC deployments use in-country or in-region cloud per the local regulator. Dedicated single-tenant environments are available at the Network tier.
How is it deployed, and how long does integration take?
Every module exposes a REST API and sits alongside your core banking system rather than replacing it. A typical pilot reaches its first live decision in about six weeks, engineer-led, on one module and capped volume.
Are decisions explainable for our regulator?
Yes. Sentinel runs policy rules before the model and ships every score with its drivers ranked. Each decision carries an immutable trail of inputs, rule evaluations, score versions, and the operator who actioned it, exportable to your regulator's reporting formats.
Do you support Sharia-compliant products?
Natively. Products are configured with profit rates or markup, and Murabaha-style facilities carry their commodity and ownership steps in the ledger, so the accounting reflects the structure. Scholar board review of specific configurations stays your process; we provide the documentation pack.
Can we start with one module instead of the whole platform?
That's the common path. Most institutions begin with statement spreading or scoring on real volume, prove the mechanism on their own book, then compose the rest as volume justifies it.
Put your next hundred applications on the rail
A working session with an engineer: your products, your credit policy, your data sources.