Product overview
The platform, module by module
Trazmo is credit infrastructure for regulated SME lenders. Each module does one job and exposes it over an API: start with data analysis or scoring, add orchestration when volume justifies it, run the full rail when you want originate-to-disburse in one pipe.
How data moves through the rail
Funds disbursed → repaid & collected: the loop closes inside the rail.
Every arrow is an API. Flux runs the live book. Vertex settles each movement, Vault tracks funding capacity, and CollectBot drives repayment, so the rail closes the loop from disbursement through to collection.
The five modules
Combines policy rules with model scores to produce an explainable credit decision for every application.
In: signals, bureau data. Out: score, decision, reasonsOnboards the SME once: identity, business verification, documents, and data consent across banking, card, POS, and e-commerce in a single flow.
In: borrower inputs. Out: a complete application packageThe operating view for credit teams: application pipeline, decision feed, disbursement queue, portfolio health.
In: rail events. Out: actions, approvals, disbursementsDouble-entry ledger on TigerBeetle. Disbursements, repayments, and fees post as balanced transfers in real time.
In: money movements. Out: balances, statements, audit trailTracks funding positions and disbursement capacity so routing never commits money the book does not have.
In: ledger balances, facilities. Out: capacity, alertsAI agents
Four agents do the work analysts used to queue for
DocuMind
Reads bank statements, card and POS settlement, e-commerce sales, invoices, and registry documents. Extracts fields with per-field confidence scores.
RUNS IN: LIFT, SENTINELRiskRadar
Watches live portfolios for deteriorating signals: bounce patterns, balance erosion, sector stress.
RUNS IN: FLUXCollectBot
Sequences repayment follow-up by channel and tone, escalating to a human only when rules say so.
RUNS IN: FLUX, LIFTReconAI
Matches bank movements against ledger entries and proposes resolutions for every break it finds.
RUNS IN: VERTEX, VAULT