Digital Lending Stack
GovernmentEnterpriseOnboard, underwrite, sign and disburse a loan — end to end, paperless.
Why this bundle exists
A digital lending flow is not one integration; it is six, and the difficulty is that they have to work as a sequence. Identity has to be verified before financial data is requested, financial data has to be in hand before a decision is made, the agreement has to be signed before money moves, and every step has to leave an audit trail a regulator can follow. Any one of those integrations is a couple of weeks; assembling them into a coherent journey is a quarter.
This bundle delivers the assembled journey. Aadhaar e-KYC establishes borrower identity and PAN validation confirms tax identity. Account Aggregator pulls consented bank statements as structured data, and EPFO confirms employment and income. Aadhaar eSign executes the loan agreement with a legally valid signature, and disbursal goes out over a payment gateway. What arrives is a borrower who applied, was underwritten, signed and received funds without a branch visit or a wet signature.
What it replaces
- Physical KYC document collection and a manual verification desk
- Customer-supplied PDF bank statements, parsed by hand or by fragile OCR
- Salary slips as income proof, which are supplied by the applicant rather than an authority
- Printing, couriering and scanning a signed loan agreement
- A manual disbursal instruction to the operations team
What you need in place
- Your regulated lending position — NBFC, bank or lending partner arrangement
- A credit policy and decision rules the data can be scored against
- A loan agreement template ready for signature-field placement
- A funded disbursal account
Integrations in this bundle
Industries that run this flow
Digital Lending Stack — FAQs
How long does this bundle take to go live?
Typically three to four weeks. The integrations themselves are already built and certified; most of the elapsed time is your credit policy configuration and UAT.
Do we need our own Aadhaar and Account Aggregator access?
No. Aadhaar runs under Aeologic's AUA/KUA licence and Account Aggregator under our FIU-grade integration, which is what removes the certification path from the timeline.
Can we underwrite self-employed borrowers with this?
Yes, though the income signal differs. EPFO covers salaried applicants; for self-employed borrowers the equivalent signals are Account Aggregator cash-flow data and GSTN filings, which we can add to the flow.
Can we use our own payment gateway for disbursal?
Yes. The disbursal step runs against your gateway account, and can be switched between providers without touching the rest of the flow.
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