Document management for cloud-native lenders.
KYC archive, loan file storage, post-disbursal document trail, regulatory compliance documentation. RBI / CBN / KRA-ready. Built for fintech lenders across India + Africa.
Lending compliance starts with documents
"RBI inspection flagged document trail gaps."
RBI Master Direction requires structured KYC + maker-checker audit. Penalties ₹5L-₹5cr for findings.Material penalties on findings.
"5,000 paper loan files in our office."
Legacy loan files in physical storage. Inspection prep takes weeks. Retrieval is days.
"KYC docs in shared Drive + courier."
No structured KYC archive. Document trail audit fails inspection prep.
"CBN / KRA regulators want digital records."
African fintech regulators increasingly require structured electronic document trail.
"Post-disbursal documents lost."
EMI receipts, restructuring requests, settlement documents scattered. No clear archive.
"Maker-checker required but missing."
RBI requires maker-checker for KYC + disbursal. Email approval doesn't satisfy compliance.
Lender-ready document management
Important: Abscode is the document side. Use your Loan Origination System (Lentra, Habile, Indifi, FlexiLoans, etc.) for loan workflow. Abscode handles KYC archive, loan file storage, document trail, and regulatory inspection prep.
KYC document archive with retention
Aadhaar, PAN, address proof, income proof — structured archive per customer. RBI 5-10 year retention met. Inspection-ready.
Loan file digitization + storage
Scan legacy loan files. Store new disbursals digitally. Per-loan complete document trail. Search by borrower / loan ID / period.
RBI-compliant maker-checker workflow
Document upload by maker → checker reviews + approves. Required for RBI Master Direction compliance. Audit trail per document.
RBI / CBN / KRA inspection-ready
Pre-organized for regulatory inspection. Structured access to docs by inspector. 70% faster inspection prep.
Post-disbursal document trail
EMI receipts, restructuring, settlement, NPA documentation. Complete loan-lifecycle archive.
Workflow audit + 2-year retention
Business tier audit retention covers RBI inspection cycle. Workflow + archive trail per document.
Abscode is NOT a Loan Origination System
For loan workflow (application → underwriting → disbursal), use Lentra, Habile, Indifi, FlexiLoans, or your existing LOS. Abscode handles the document side — KYC archive, loan file storage, post-disbursal docs, regulatory compliance documentation. We work alongside your LOS, not as a replacement.
Larger NBFCs needing on-premise: contact our enterprise team
If your organization needs dedicated on-premise deployment, sovereignty-grade hosting, or 25+ concurrent users, our enterprise edition handles that. Talk to our enterprise team →