AOPAY Streamline Co-Lending with Secure Automation
Click to view full sizeAOPay Co-lending is software for running bank–NBFC co-lending partnerships with end-to-end digital workflows. The platform covers partnership setup (agreements and risk-sharing ratios), borrower onboarding with KYC/KYB, automated loan origination and decisioning, and multi-party disbursement that splits funds between partners. It also supports ongoing servicing and collections with EMI schedules, payment allocation, and reconciliation, plus escrow account management. The product emphasizes compliance with RBI co-lending guidelines through regulatory reporting, audit trails, and monitoring controls, and it provides real-time dashboards for exposure, performance, and settlement. Developer-facing APIs, sample endpoints, and a sandbox are included, and the offering mentions a source code license for customization to specific partnership models and business rules.
Building RBI-compliant co-lending workflows and settlement between banks and NBFCs is complex.
Software automates co-lending origination, disbursement splits, servicing, and settlement via APIs.
Banks, NBFCs, fintech startups, and digital lenders
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