01
The book sharpens as it lends.
Designed so risk is priced more sharply with every loan, governed by maker-checker at every boundary.
For lenders, fintechs, and LSPs
The loan book that learns
The loan book that learns
and sharpens as it lends.
Agents run your loan book — from disbursal to closure — on a governed core.
From the team behind Apache Fineract · $500B+ in lending¹
RBI MRM draft · June 2026
Where do you stand against RBI’s 2026 model-risk draft?
Ten questions mapped to the draft — for NBFCs, fintech lenders, and banks. Scored on screen, nothing stored.
WHY IT MATTERS
Profit per loan disbursed.
Profit per loan disbursed.
That is the number that compounds.
Every application, repayment, and recovery sharpens the next decision — so the book gets better the more it lends.
02
Hundreds of servicing and collections policies in the time a risk team ships one.
Agents propose, evaluate, and promote winners, inside policy guardrails.
03
The cost of running the book stops growing with it.
Risk teams ship one policy a quarter; Lokta tests in days. Margin survives growth.
Every claim logged, replayable, auditable. Audit by design isn't the pitch — it's the price of admission.
THE TEAM
The team that built the rails the industry runs on.
The team that built the rails the industry runs on.
Rebuilt for the agentic era.
Lokta is built by the original architects of Apache Fineract. We learned, at scale, what the next generation has to be — and Lokta is what we'd build if we started today.
"You cannot run a bullet train on narrow-gauge rails. The track width is the architecture. That's why we started over."
$500B+
Cumulative loan principal
65M+
Borrowers served
70
Countries
¹ Aggregate impact attributed to the Mifos/Fineract ecosystem, not Lokta directly. Read the impact essay →
HOW IT WORKS
Agents run the book. A control plane proves every move.
Agent-native means the operators of the book are agents — software that reads the loan, decides, and acts. Every action they take is a governed write: authorised, scoped, logged, and verified against policy before it touches the book.
- AGENTS
The operators of the book
Bring your own, or run Lokta's. Servicing, monitoring, and compliance are live; collections and data entry are on the roadmap, in sequence.
- CONTROL PLANE
The part a bolt-on can't fake
Identity for agents, maker-checker, cross-module audit on every write. The difference between an agent that acts and an agent that guesses.
- DETERMINISTIC CORE
The math the AI never gets to guess at
One connected ontology, modelled once and used everywhere; the same inputs always produce the same outputs, with the audit trail written as it runs.
Available now Core · control plane · servicing · monitoring · compliance
On the roadmap Collections · data entry
THE PLATFORM
One platform. The whole live book.
One ledger of record, model-risk governance on the same rails, and an AI servicing agent across the book — one canonical model underneath all three.
LIVE
Loan Management
The deterministic ledger your book runs on. Audit-ready, schema-per-tenant, governed APIs.
See loan management → LIVE
Model Risk Management
Continuous model-risk governance mapped to RBI's 2026 draft — validation, monitoring, and an audit trail your regulator can read.
See model risk management → LIVE
AI Loan Servicing
One inbox across WhatsApp, email, phone, and portal. Lending-aware triage, confidence-based automation, every resolution feeding the borrower model.
See AI loan servicing → WHO IT'S FOR
Built for how lending actually runs.
Banks & NBFCs
For lenders who carry the book.
On-prem, VPC, or single-tenant cloud; maker-checker on every policy boundary; audit trails in every state transition.
For banks & NBFCs →Fintechs & digital lenders
For teams without legacy debt.
Polylithic modules, OpenAPI 3.1, Keycloak-native; extend in-tree, not by vendor SOW.
For fintechs →LSPs
For operators serving multiple partners.
Multi-partner from the core, per-partner isolation and audit, co-lending reconciliation native to the data model.
For LSPs → HOW WE ENGAGE
Founder-led adoption. Not a vendor pitch.
We deploy with a small number of institutions at a time — banks, NBFCs, and fintechs that want a deliberate adoption, not a SaaS sign-up. A direct line to the people writing the code.
Every loan, smarter than the last.
What adopters get
- Direct founder access throughout the engagement
- Integration sequence shaped by your priorities, committed in writing
- 8–12-week first-product-live target
- Open module surface — your engineers extend in-tree