Lokta for embedded finance
Loan Management System for Embedded Finance
Lokta is built for platforms that service loans across many embedded partners. Schema-per-tenant Postgres isolation enforced at the database connection layer, per-tenant product configuration, partner-facing OpenAPI surface, and per-tenant audit threading. One platform, many partners; every boundary between them is structural rather than policy-only.
What embedded-finance platforms ask loan management vendors for
Four requirements every embedded-finance LMS evaluation surfaces. Each maps to a Lokta capability that ships with the platform.
One platform, many embedded partners.
Each embedded-finance partner is a tenant with schema-per-tenant Postgres isolation and Keycloak realm controls. Tenant context enforced at the database connection layer; cross-partner data access blocked structurally, not policy-only.
Per-tenant configuration without code branches.
Each partner runs its own loan products, charges, allocation rules, asset-classification thresholds, and audit retention policy. One platform, many product catalogues: configured per tenant, governed centrally.
OpenAPI surface partners build their UX against.
Embedded-finance partners build their own UX, mobile apps, and conversational interfaces against Lokta's API surface. OpenAPI 3.1, with the version in every path, so a platform update adds a version rather than changing the one a partner client uses.
Audit threading isolated per partner.
Cross-module structured audit captures every mutation. Audit threads scope to the tenant; partners see their own audit, the platform owner sees the consolidated view, no cross-partner audit leakage.
How Lokta maps to those requirements
Embedded-finance requirements mapped to Lokta
| Embedded-finance requirement | Lokta response |
|---|---|
| Multi-tenant isolation | Available nowSchema-per-tenant Postgres with tenant context enforced at the connection level. Shared or dedicated Keycloak realms per tenant risk profile. |
| Per-tenant product configuration | Available nowEach tenant runs its own loan products, charges, allocation rules, asset-classification thresholds. |
| Partner-facing APIs | Available nowOpenAPI 3.1 surface partners build against. Versioned paths keep an existing partner client on the contract it was built for. |
| Per-tenant audit isolation | Available nowCross-module structured audit scoped to tenant; consolidated platform-owner view available with elevated permissions. |
| Partner identity & permissions | Available nowKeycloak with OIDC / OAuth2. Per-partner OrgUnit hierarchy, RBAC, and service-principal support for backend integrations. |
| Co-lending & multi-lender models | Available nowPartner taxonomy as a first-class entity. Distribution waterfall, settlement, and reconciliation native to the data model. |
Why embedded-finance platforms pick Lokta
Embedded-finance is a tenancy problem before it is a product problem.The platform owner runs many partners, each with their own product catalogue, risk policy, audit retention, and regulatory exposure. The LMS has to enforce those boundaries structurally, at the database connection level, not as policy that an application bug could circumvent.
Lokta treats this as the default. Schema-per-tenant Postgres, dual Keycloak realm modes, per-tenant audit threading, and partner taxonomy modelled as a first-class entity. Partners build against a stable OpenAPI surface; the platform owner sees consolidated views with elevated permissions; cross-partner data access is blocked at the database layer.
Common embedded-finance questions about Lokta
What embedded-finance platforms typically ask in an LMS evaluation.
How does Lokta isolate data between embedded-finance partners?
Schema-per-tenant Postgres with tenant context enforced at the database connection level: cross-partner queries are blocked at the database boundary, not by application-layer policy. Each partner also gets its own Keycloak realm in dedicated-realm mode, or a shared realm with strict RBAC if the risk profile allows.
Can each partner run its own loan products and rules?
Yes. Per-tenant configuration covers loan products, charges, allocation rules, asset-classification thresholds, and audit retention. One platform serves many product catalogues (configured per tenant, governed centrally) without forking the codebase or maintaining per-partner branches.
Do partners build their own UX on Lokta?
Yes. Embedded-finance partners build their borrower-facing apps, mobile interfaces, and conversational surfaces against the Lokta OpenAPI 3.1 surface. Because the version is part of each path, a platform update does not silently change what an existing partner client receives.
How is audit handled for an embedded-finance setup?
Cross-module structured audit captures every state-changing event (actor, action, evidence, before/after). Audit threads are scoped per tenant: partners see their own audit, the platform owner sees the consolidated view with elevated permissions. No cross-partner audit leakage.
Can Lokta support co-lending across embedded partners?
Yes. Partner taxonomy is a first-class entity in the data model. Distribution waterfall, settlement, and reconciliation are native, so an embedded platform can run multi-lender co-lending arrangements (originator share, co-lender share, partner finance) without separate plumbing.
Invite Lokta to your RFP
Tell us your tenancy model. Number of partners, partner mix, current LMS or stack, integration model, RFP stage, target go-live. Lokta returns a fitment read and a draft response within five business days, with direct access to the founding team.