Runs on your loan management system and the apps you already have.
Lokta's agents run the servicing work on your live book after approval, on the core you already have, or on ours. They run inside the cloud you choose or your own private network, on the AI models you approve, connected to the rails, banks, bureaus and partners the book already depends on. No re-platforming. No lock-in. And every connection is proven safe before it can touch the book.
Every connection is a governed integration layer: each feed is risk-rated and proven safe in a controlled path before it writes anything to your live book.
Forty-five minutes. We show how each of your rails, bureaus and partner feeds gets proven safe before it touches your book. Your setup, your questions.
Every vendor's integration slide is a wall of logos. None of them tell you what happens the first time a bad feed writes to your live book. Lokta's answer is a gate: no connection touches the book until it's risk-rated and proven safe. The logos are the easy part.
Where lending integration projects actually stall.
Buying software is easy. Connecting it to a live loan book, safely, is where the months go and the deals stall. Three fears, and every one of them is fair: lock-in, data residency, and the unsafe write.
Adopting the platform can mean adopting its core, its cloud and its model, a one-way door your board has to defend. For an RBI-regulated lender, where the data lives is a requirement rather than a preference: if a borrower's record leaves your boundary, the answer to the examiner is already wrong. And an unrated connector can post a bad settlement straight to the ledger, corrupting the book quietly instead of failing loudly.
This page is the answer to all three: your core or ours, your cloud, your model, and a gate that proves every feed safe before it writes.
Run on the core you already have. Or on ours.
The workforce runs on the lending core you already keep, Apache Fineract, or any other LMS (loan management system, the system of record that holds a live loan: its schedule, dues and history), or on Lokta's own agent-native core. The agents and the guardrails don't change with the core underneath them.
- Lokta LMS
- Apache Fineract
- Any other loan management system
The guardrail. Every read and write to the core is an event on the record, what changed, why, and the policy that allowed it. Moving to Lokta's core is an option offered, never a migration forced: the workforce earns the switch, it doesn't require it.
Your cloud. Your models. Your data, where the regulator needs it.
Run the workforce on a hyperscaler (the large public-cloud providers) or on-prem, inside your own VPC (virtual private cloud, a private, isolated slice of a cloud that only you can reach). On-prem and VPC are the data-residency answer for RBI-regulated lenders: the book, the models and the record stay inside your boundary, and nothing regulated leaves it. That is a claim a security review can verify for itself, without taking our word for it.
- AWS
- Microsoft Azure
- Google Cloud
- On-prem / your VPC
- OpenAI
- Anthropic
- Google Gemini
- Meta Llama
- Mistral
- Cohere
- + open models
The guardrail. Which model drafts a proposal doesn't change what it's allowed to do. Every action is still scoped to a permission, checked against your policy, logged as evidence and reversible. The governance sits above the model as an independent layer. Change the model and the guardrails stay exactly where they are.
The rails, banks, bureaus and partners the book already depends on.
A live loan runs through more than a core. The workforce connects to the rest of the stack it depends on, payment rails (NACH, UPI and the aggregators in front of them), core banking and the escrow account (a joint holding account that keeps two lenders' funds from mingling), credit bureaus (the agencies that hold a borrower's repayment history), co-lending partners, collection agencies working inside the same policy and the same record, and the borrower's own channels.
- NACH / UPI
- Payment aggregators
- Core banking / escrow
- Credit bureaus
- Co-lending partners
- Collection agencies
- WhatsApp & channels
The guardrail. Every write to a rail, a bureau or a partner is an event on the add-only record, timestamped, attributable, reversible. History is appended, never overwritten.
Every connection is proven safe before it touches the book.
Connect is the layer that stands between your ecosystem and your book. Every feed (a settlement file, a bureau pull, a bank posting, a partner's batch) is risk-rated and proven safe in a controlled path before it can write anything live.A new connection goes live on evidence.
Because every write is an add-only event, a bad feed can be traced, contained and reversed. It cannot quietly corrupt the book. That distinction, proven safe against simply plugged in, is what a security review actually tests for.
Our team built Apache Fineract, the open-source lending core running in production across banks, NBFCs and fintechs. That's why our agents read a loan natively on any core, yours or ours, schedules, appropriations, day-count, DPD (days past due), co-lending, and it's why we treat every integration as something to prove safe, not just something to plug in. We've spent a decade inside lending cores; we know exactly how a bad feed breaks a book, so we built the gate that stops it.
What a security review asks first
Cores, clouds, models, and what stops a bad feed reaching the book.
Does Lokta replace our existing loan management system?
No. The agents run the post-approval work on the lending core you already keep, whether that is Apache Fineract or another LMS, and Lokta also has its own agent-native core if you want one. The agents and the guardrails behave the same whichever core sits underneath. Moving to Lokta’s core is an option, never a precondition.
Can Lokta run on-premise or inside our own VPC?
Yes. Lokta runs on AWS, Microsoft Azure or Google Cloud, on-premise, or inside your own virtual private cloud. On-premise and VPC are the data-residency answer for RBI-regulated lenders: the book, the models and the record stay inside your boundary, and a security review can verify that for itself.
Which AI models does Lokta work with?
OpenAI, Anthropic, Google Gemini, Meta Llama, Mistral and Cohere, plus open models you host yourself. The governance is an independent layer sitting above the model, so which model drafts a proposal does not change what the proposal is allowed to do. Change the model and the guardrails stay where they are.
What stops a bad integration from corrupting the live book?
Connect, the safety gate. Every feed, whether a settlement file, a bureau pull, a bank posting or a partner batch, is risk-rated and proven safe in a controlled path before it can write anything live. Because every write is an add-only event, a bad feed can be traced, contained and reversed rather than quietly corrupting balances.
What systems does Lokta connect to besides the lending core?
The rest of the stack a live loan depends on: payment rails including NACH and UPI and the aggregators in front of them, core banking and escrow accounts, credit bureaus, co-lending partners, collection agencies working inside the same policy and the same record, and borrower channels such as WhatsApp.
Are the provider logos on this page partnerships?
No. Provider names mark what Lokta builds to and is compatible with. They are not endorsements, commercial partnerships, or live customer deployments, and none should be read as one.
We will run the servicing agents and the integration layer on the cloud and model you name, show them read a loan natively on your core or on ours, and map exactly how each of your rails, bureau and partner feeds would be proven safe before it touches your book. Your setup, your questions, forty-five minutes.
Forty-five minutes. contact@lokta.ai · your own stack
Not ready for the session? Check our integration thinking against your own.