Platform · Decision · Channel · Disbursement
Three layers,
one continuous audit trail.
A decisioning layer that fuses bureau-grade data with lender-specific policy. A channel layer that meets borrowers, ops, and underwriters where they are. A disbursement layer that moves funds under the lender's standing custody authority — never ours.
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.
Architecture
Each layer is independently swappable.
Decision
CCRIS, CTOS, SPeKAR + lender scorecard. Behavioural signals from inside the conversation. Confidence + 3-tier scorecard.
Channel
WhatsApp for borrowers, Telegram for ops, the portal for lenders. Same engine, three lenses, one audit trail.
Disbursement
CIMB / Bank Rakyat / RHB rails. Lender controls the source-of-funds; Bolehlah sequences + audits, never custody.