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Lokta Core is enterprise-ready and deploys under engagement. Bring your lending workflow, constraints, and goals — we work with a small group of institutions at a time through a founder-led model: deep adoption, deliberate scope, a delivery window committed in writing.

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Q&A

Frequently Asked Questions (FAQs) About Lokta's Lending Stack

Quick answers on rollout, compliance, AI, and integrations.

  • Is the platform production-ready?

    Yes. Lokta Core is enterprise-ready and deploys under engagement. The platform is built on a decade of architectural lessons from running lending systems at scale — Apache Fineract and Finflux. We're a young company; the technology underneath is not. We're working with a select group of institutions through a founder-led engagement model — partners who want a deep, deliberate adoption rather than a vendor SaaS sign-up.

  • How does the engagement model work?

    We partner closely with a small number of enterprises through deployment. The platform is production-ready out of the box; the engagement covers integration into your existing systems, policy configuration, and any extensions specific to how you operate. Your priorities directly shape the integration roadmap — KYC, credit bureau, payment gateway, accounting connectors, and the agent surface are sequenced to your needs.

  • How big is your team?

    We're a small founding team. Co-founder Ashok Auty leads the build, drawing on 15+ years of lending-technology experience as the original architect of Apache Fineract and founder of Finflux (acquired by M2P).

  • You mention AI several times — what does it mean?

    Two layers on a deterministic core. Workflow AI assistants that draft, verify, and explain inside existing flows — grounded in your policies and data. End-to-end AI lending agents that coordinate multistep processes, triggered by events, routed through approvals, fully logged for audit.

  • Can you support co-lending and partner settlements?

    Yes. Lokta is multi-partner from the core — tenant isolation by client_id runs through every record. Onboard partners, manage obligations and splits, and generate partner-ready MIS without VLOOKUP'ing across spreadsheets.

  • What if I need a custom AI workflow?

    Lokta's configurable workflow and rule engine plus its agent tools let teams compose custom AI workflows inside governance guardrails — approvals, SLAs, state machines, and exception queues. For specialised cases, design partners can collaborate on the underlying primitives.