Changelog
Every update to the mobile app, admin platform, engine and integrations.
RSS feedDuplicate ID checks and ID search
- Adding a customer in the console now checks for duplicate ID numbers
- Customer list can be searched by ID number
- Console pages you can't access are hidden from the menu automatically
Agreement consent, flow choice and net amount
- Loan confirmation now includes item-by-item agreement consent
- New flow-choice option on the signing page
- Order details and confirmation show the net amount received, so deductions are clear
- New government attestation fee type
- v1.10.0Admin
Per-tenant service control and more post-loan actions
- The platform console can switch services on or off per tenant
- "Cancel disbursement" on the disbursement page
- "Waive overdue and confirm repayment" on the overdue list
- Extensions now update schedule due dates and restore overdue checks
- Renewal filters: settled but not renewed / not renewed
Count the disbursement day, reverse repayments, waive fees before payout
- New "count the disbursement day" switch for day-based products
- Repayments can be reversed, rolling back the allocation automatically
- Waive fees by type (handling, service…) before disbursement
- Calendar-exact due dates: month and year products land on the same day next month / year
- Unified rule: overdue counts as day 1, with penalties and fees starting together
Active e-sign polling and repayment exports
- RAFFTECH signing results are now polled actively instead of relying only on webhooks
- Download signed contract PDFs in the console; the H5 app prefers the e-signed version
- Export repayment records, with a notification when the file is ready
- Wider notification panel with pagination and unread dots
Partial payments, unified allocation engine and limit upgrades
- New unified allocation engine: overdue fee → penalty → each period's fees → interest → principal, strictly by period
- Partial payments in the H5 app, with an allocation preview before paying
- Limit upgrades for repeat borrowers by completed loans and on-time rate; manual limits protected
- KYC-assessed limits can be edited in the console, with a full audit trail
- Write-off status and whole-loan fee waivers
Four overdue calculation modes
- Four overdue modes: from disbursement time, 24-hour, overdue the next day, overdue on the due date
- Configured at product and platform level, product first
- Figures in performance, daily and risk reports now drill down into records
- Order list filters for owner and dates
RAFFTECH e-signatures
- Full RAFFTECH e-signature integration with AES + MAC envelope encryption
- Mandatory risk disclosure video before signing, configured per tenant
- Tenants can use their own e-sign settings or fall back to the system default
- New e-signing flow and signing progress page in the H5 app
Razorpay hosted checkout
- Razorpay Curlec online payments via a hosted checkout page
- Online payment on the H5 repayment page; the result page polls longer and refreshes when visible again
- Amounts shown to the cent
Overdue fees, penalties and fee timing
- Refined overdue fee and penalty calculation, now multilingual
- New fee timing (charge_timing): deducted before payout or charged per period
- Contract templates render fee clauses according to fee timing
Didit verification workflow and score-based credit
- Didit hosted verification workflow, with callbacks driving the 4-layer KYC scoring
- New score-based product type, with score-based limits in the H5 app
- After verification the workflow can create the application, assign the contract and disburse
- ID images and liveness videos in private storage, served via signed URLs
- v1.1.0Integrations
Curlec Payout auto-disbursement
- Curlec Payout 2.0 integration for automatic disbursement after approval
- Phone numbers normalised, including 8-digit Hong Kong numbers
First release
- Multi-tenant core: tenants resolved by domain, data isolated per tenant
- Three consoles: super admin, platform and tenant
- Borrower H5: sign-up, KYC, loans, repayments, notifications
- Five switchable OTP providers