vimano's ai agents
The Engine Behind Instant Lending Decisions
Vimano’s AI Agents are not a single tool, it’s a cohesive layer of intelligent agents working together to automate and optimize every decision, from onboarding to collections. By combining modularity, real-time learning, and regulatory readiness, VimanoTech makes it easy for lenders to scale with speed and confidence.
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the problem we're solving
Traditional lending lags, manual, inefficient, and expensive.
Rs.500
siloed tools
KYC, bureau, mandate, and document tools are stitched together without continuity, costing Rs.500 per case.
60-80%
funnel drop-offs
60-80% of users abandon before disbursal due to offer rejection, mandate failures, or KYC issues.
Rs.500-Rs.700
manual ops fallback
Every exception triggers costly human intervention, adding ₹500-₹700 per case and causing delays.
vimano's smart, ai driven lending flow
End-to-end automation that minimizes friction and maximizes efficiency.
1
Lead & Eligibilty
Intelligent lead routing improves conversion by 15%.
2
Offer & KYC
AI assistant detects hesitation and guides users through KYC.
3
verification & mandate
LLMs pre-fill statement uploads & intelligently retry failed mandates.
4
Lead & Eligibilty
Multi-factor authentication ensures secure eSign & real-time disbursal updates.
AI agent ecosystem
Everything You Need to Scale, Already Built-In
01
scoring agent
Inclusive credit scoring using machine learning
It uses real-time mobile signals, financial activity, & transactional insights to assess creditworthiness, even for new-to-credit users, with explainable scoring logic.
02
Verification Agent
Fraud detection using OCR, biometrics, & documents
It handles document scanning, eKYC, biometric checks, and deduplication to ensure accurate user authentication, without manual intervention.
03
Underwriting Agent
Instant risk analysis and automated approvals
Trained on diverse lending data, this agent evaluates eligibility, risk, and credit potential while offering full transparency and auditability in every decision.
04
Fraud Agent
Continuous pattern analysis and monitoring
It uses real-time mobile signals, financial activity, and transactional insights to assess creditworthiness, even for new-to-credit users, with explainable scoring logic.
05
Collection Agent
Ethical, personalized recovery with voice AI
It replaces traditional BPO efforts with proactive, ethical nudges, segmenting users by repayment behavior and optimizing outreach accordingly.
06
Compliance Agent
Explainable AI for real-time audits
With integration to DataShield Z+, it logs all actions on-chain, ensures zero-trust access, and enforces compliance with DPDP, GDPR, ISO, and RBI regulations.
07
Dropoff Recovery Agent
Recover dropped applications smartly
This agent identifies friction points, monitors user behavior, and sends contextual nudges via WhatsApp, SMS, or app push to help users complete the journey.
08
Supervisory Agent
Offers oversight and streamlines operations
This meta-agent manages orchestration, enforces fallback logic, and adapts processes to meet SLAs and ensure a smooth user experience.
feature packed powerful platform
Everything You Need to Scale, Already Built-In
built-in regulatory compliance
AI-powered system ensures continuous compliance with evolving global regulatory requirements, minimizing risk.
proactive collections
AI-driven, automated recovery system uses personalized communication strategies to improve repayment rates.
instant underwriting
Sophisticated algorithms analyze data in real-time, enabling loan approval decisions within seconds.
Fraud Detection
Advanced monitoring and analysis provide real-time protection against emerging fraud tactics, safeguarding assets.
smart credit scoring
Utilizes alternative data sources to create comprehensive credit profiles, enabling more informed and inclusive lending.
DataShield Z+ security
Powered by DataShield Z+, India's first Web3-secured lending infrastructure
VimanoTech is the first lending platform in India to offer Web3-powered data security with DataShield Z+, a decentralized, zero-trust security layer built for lending.
From encrypted onboarding to on-chain audit logs, every data access is traceable, private, and tamper-proof.
01
End-to-End Encryption
of customer data, both at rest and in transit, with zero storage by service provider
02
Immutable Audit Logs
Every access to customer data is recorded on-chain, enhancing compliance and preventing tampering
03
No Middleware or Cloud Dependency
Fully decentralized APK/plugin solution, natively integrated into our stack
04
Interoperable with dApps and Decentralized Storage
Enabling future-ready lending integrations
05
Real-time Monitoring
With smart contract-based anomaly alerts, ensuring data misuse is instantly flagged
06
Zero Trust Architecture
Even internal team members can’t bypass access controls, every request is verified
Applicable Across Lending Workflows
1
Secure borrower onboarding (KYC & documents)
2
Encrypted underwriting data flows
3
Protected loan agreement and repayment history
impactful outcomes
Proven Outcomes with the Vimano Lending Stack
≥70%
AI-Powered Dropout Recovery
Achieve ≥70% call deflection by Month 8, holding NPA <3% with 100% voice-led recovery.
≤15 min
Real-Time Dashboards
Tag and auto-score leads, achieving ≤15 min time-to-insight for key queries.
Rs.2000 Cr/month
Scalable Disbursement
Scale to Rs.2000 Cr/month with a 2% saving in Opex, increasing monthly disbursal.