Borrower experience · WhatsApp-first
One profile. One conversation.
One promise borrowers can rely on.
Borrowers don't juggle five lender portals. NRIC-keyed identity travels with them, consent is per-lender and revocable, and B speaks in BM, English, Mandarin, or Tamil on WhatsApp — fluently, calmly, always available.
Incorporated
Lunar Flame Sdn Bhd · Co. No. 1361453-X
D&B verified
DUNS 473297787
Data residency
Neon Postgres · Singapore
Identity verification
Innov8tif EMAS · MyKad + ePassport NFC
Audit posture compliant with PDPA 2010 and BNM technology risk-management guidelines. SOC 2 Type II and ISO 27001 readiness tracked publicly on the trust page.
What borrowers actually get
Built around dignity, paid on time, fair when life shifts.
Paid
Funds disbursed the day promised. Real-time status on WhatsApp — no calling the office to chase.
Fair
Decisions explained in plain language — DSR, CCRIS, document gap. The borrower knows what to fix.
Reliable
Reminders three days, one day, and the morning of. Calm tone even when arrears stretch out.