For licensed money lenders · Akta Pemberi Pinjam Wang 1951
Origination, decisioning, disbursement —
end-to-end on one platform.
CCRIS and CTOS scoring with lender-specific policy, eKYC with MyKad NFC + liveness, tamper-evident e-signature, and disbursement to the borrower's named account in minutes. Operated under a clear PDPA + BNM TRMG posture.
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 you get
A complete origination stack — without stitching five vendors.
Bureau-grade decisioning
CCRIS, CTOS, SPeKAR pulled inline with your scorecard. Confidence score + three-tier scorecard the regulator expects.
eKYC + e-signature
Innov8tif EMAS for MyKad NFC + liveness. Tamper-evident hash-chained signature with snapshot capture at AKAD time.
Disbursement
Lender controls the rails. Pay direct from your CIMB / Bank Rakyat / RHB account; we sequence + audit, never custody.