The borrower's side
An H5 / PWA app, one codebase for every tenant. The phone on the right shows the real screens rebuilt in React with fictional data — it isn't connected to any live system.
01
White-label
One app, re-skinned per tenant: logo, primary colour and button style, plus optional custom CSS and home-page content.
- Themes configured in the console, applied instantly
- Custom home page type and announcements
- Separate app-download page and login greeting
02
10 languages
Traditional and Simplified Chinese, English, Vietnamese, Thai, Indonesian, Malay, Japanese, Korean and Russian. Tenants choose which to offer.
- Language list kept in sync with the backend
- Amounts and dates formatted per locale
- Languages switched on or off per tenant
03
Sign-up & login
Phone OTP or email and password, with country codes and per-country phone validation.
- Five switchable OTP providers: SES, SNS, BlueBird, Google, NXCloud
- Registration fields configurable per tenant
- Smart redirect after login based on KYC status
04
KYC
Four steps: basics (ID OCR) → contacts → bank card → liveness. Or switch to Didit's hosted verification flow.
- Built-in OCR, liveness and face match
- Didit callbacks drive the 4-layer scoring
- Images and liveness videos in private storage, signed URLs only
05
Products & limits
Drag the amount and pick a term — the cost estimate uses the same schedule formulas as the real system.
- Fixed-amount, amount-range and score-based products
- Daily / monthly / annual rates; day / month / year terms
- Score-based orders stay aligned with the available limit
06
Application
A multi-step form, loan confirmation and agreement consent. With the auto-lending pipeline on, the system can do this step itself.
- Confirmation shows the net amount received
- Each agreement consented and recorded
- Results delivered by in-app notification
07
E-signing
Borrowers must watch a risk disclosure video in full, sign by hand, then RAFFTECH signs asynchronously while the system polls for the result.
- Mandatory video configured per tenant
- RAFFTECH payloads use AES + MAC envelope encryption
- Signed PDF available for download
08
Repayment
View the schedule, pay by FPX, Razorpay hosted checkout or bank transfer with an uploaded receipt, and see the result.
- Partial payments with an allocation preview
- Curlec callbacks verified by checksum
- Result page refreshes when the tab becomes visible
09
Notifications & profile
In-app notifications and push for approvals, payouts and reminders; the profile shows completeness, bank cards and support.
- Six customer notification types with unread badges
- Infinite-scroll notification list
- Completing the profile can raise the credit limit
10
PWA
Add to the home screen and open it like an app. Cached assets keep it usable on weak networks or even offline.
- Works on older devices such as iOS 12 and Android 5
- Skeleton loading
- Ship updates without app-store review
See what it can do for your business
We'll run a full demo tailored to your country, products and process, and share deployment and pricing options.