Channels · One platform, three surfaces
Borrowers on WhatsApp.
Ops on Telegram. Lenders on the portal.
Each audience meets the system on the channel they already use. The same engine drives all three — one decision, one audit trail, three different lenses.
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.
Channel split
Each surface tuned to the work it carries.
WhatsApp — Borrowers
Application, AKAD, repayment reminders, servicing. BM + EN + Tamil + Mandarin. The borrower never leaves the chat.
Telegram — Operations
Real-time alerts on disbursements, scorecard outcomes, portfolio drift. Always-on bot, never-tired audit trail.
Portal — Underwriting
Decisioning queue, scorecard policy, document review, regulator export. The lender's daily workspace.