CortexData · for banks, NBFCs & gold finance companies
Launch an RBI-2025-native gold loan book — origination to auction to release — on a tamper-evident ledger, with white-label apps for your borrowers and branches. Weeks to live, not quarters.
Every regulatory number — LTV tiers, notice periods, penal caps — is versioned configuration citing its RBI clause. Change the policy, not the code.
Every state change is an append-only, hash-chained event. One command re-verifies the entire history of any loan for your auditors.
A nine-gate credit envelope decides — observed value vs threshold, clause cited. No black box anywhere near sanctioning.
Persistence, compute and AI inference stay in asia-south1 / ap-south-1. Per-tenant isolation: your own database, your own policy overlay.
The platform
KYC → assay & valuation at the day's published rate → sanction → Key Facts Statement with fee-inclusive IRR APR → joint-custody pledge → disbursal → daily LTV & margin calls → renewal → SARFAESI-aligned auction with surplus refund → release SLA with per-day compensation.
A borrower app that applies in under a minute and tracks every step in plain words; an appraiser desk built for the branch counter; a head-office ops desk with the whole book. Your brand on all three.
Statutory LTV and auction registers, IRACP SMA reporting, cooling-off handling and dual-control custody — rebuilt from the event ledger on demand, never maintained by hand.
Event-sourced with a single writer per loan, durable workflow orchestration that survives any outage mid-disbursal, open JSON-Schema contracts, and per-tenant infrastructure — your data never shares a database.
Live demo
Try it yourself — apply in under a minute and watch the workflow move your case in real time.
app.cortexdata.ai →The worklist, valuation at the counter, the KFS read-out, and the joint-custody seal.
branch.cortexdata.ai →Review queue with every credit gate shown, LTV and auction registers, the SMA report.
ops.cortexdata.ai →● Sandbox tenant on live infrastructure · integrations surface at api.cortexdata.ai
Pilot on your policy, your branding and your branches — shadow mode first, live when your compliance team signs off.