XPndAI builds the full agentic lending pipeline — document ingestion, KYC verification, bureau analysis, bank statement parsing, policy-rule scoring, credit memo generation, and human approval workflow. Not a SaaS. Your credit policy, your models, your source code. Fixed price.
Credit analysts manually pull bureau reports, read bank statements, check KYC, and draft credit memos. At scale, this creates a backlog, inconsistent decisions, and high analyst cost per loan.
KYC documents sit in email. Bureau reports are pulled manually. Bank statements are uploaded to a separate tool. The LOS sees none of this natively. No AI stitches them together.
Your risk team has a policy document. It is not enforced uniformly. Individual analysts interpret it differently. Exception tracking is manual. Deviations are invisible until an audit.
XPndAI builds the entire agent workflow. Not an integration project. Not a POC. A production system with your data, your policies, your integrations — handed over with source code.
CIBIL TransUnion, Experian, Equifax, CRIF High Mark — direct API integration for real-time bureau pull at application stage.
XPndAI Extract (40+ Indian banks), Perfios API, Finbox Bank Connect — all supported. Bring your existing tool or use Extract.
UIDAI Aadhaar OTP eKYC, NSDL PAN verification, DigiLocker document pull — all compliant with RBI Digital Lending Guidelines 2022.
Finflux, Nucleus FinnOne, Mambu, LoanPro, custom LOS via REST API. Also builds net-new LOS as part of the project if needed.
Pre-built borrower document upload portal included. White-labelled, mobile-first. Alternatively integrates into your existing app via SDK.
GSTN API for GST filing verification. MCA21 for company registration data. CA-provided ITR parsing supported.
Built for the regulatory environment your business operates in. Not a generic AI product retrofitted for compliance — compliance is designed in from architecture phase.
| Factor | XPndAI (Custom Build) | FinBox / Scienaptic / HyperVerge SaaS |
|---|---|---|
| What you get | Custom build to your credit policy | SaaS risk model (fixed risk logic) |
| Credit policy ownership | Your policy, your rules, your code | Vendor's model — limited customisation |
| Monthly cost post-launch | Hosting only (₹15k–₹40k/mo) | ₹5L–₹20L+/month SaaS licence |
| Bureau integrations | CIBIL + Experian + Equifax + CRIF | Typically one bureau tied to vendor |
| LOS integration | Any LOS via API — custom built | Limited to vendor's partner LOS list |
| Source code | 100% yours at handover | No |
| RBI audit trail | Full decision audit trail built-in | Depends on vendor |
All XPndAI builds are fixed price. No T&M billing. No open-ended scope. Discovery workshop → system spec → fixed quote → build. Source code handed over at project close.
An AI loan origination agent is a software system that automates the end-to-end loan application processing pipeline — from document collection and KYC verification, through bureau data analysis, bank statement parsing, and income assessment, to credit policy rule evaluation and credit memo generation. XPndAI builds this as a custom system for each lender: your credit policy encoded as configurable rules, your document templates, integrated with your existing LOS/LMS and bureau API connections. Unlike a SaaS credit scoring tool, XPndAI delivers source code and the full system is yours.
RBI's Digital Lending Guidelines (September 2022) require: explicit borrower consent before bureau pull, all data stored on Indian servers, Aadhaar-based KYC through regulated entities only, full audit trail of credit decisions, and no third-party data sharing without borrower consent. XPndAI's loan origination agent builds these compliance controls in: Aadhaar eKYC via UIDAI's compliant API, consent management before bureau pull, Indian-hosted deployment (AWS Mumbai or Azure India regions), and a complete decision audit log. We also build the KFS (Key Fact Statement) generation required by RBI.
A standard single-product NBFC underwriting agent (one loan product, one bureau, one bank statement source, basic credit policy rules) takes 6–8 weeks from kickoff to UAT. A multi-product lender with custom LOS integration, multiple bureau feeds, and a borrower mobile portal takes 12–16 weeks. The engagement starts with a 1-week discovery workshop to map your credit policy into configurable rules. No engagement starts without this step — XPndAI builds your policy into the system, not a generic model. Indicative timelines include UAT and handover.
A credit scoring SaaS (FinBox, Scienaptic, etc.) provides a pre-trained risk model that scores applicants based on the vendor's data and model logic. You get a score, not a system — and you pay a monthly licence as long as you use it (typically ₹5L–₹20L+/month at scale). XPndAI builds a custom underwriting agent: your credit policy encoded as auditable rules, your LOS integration, your document templates, your bureau connections. You own the source code at handover. There is no ongoing licence — only hosting. This is the key distinction for NBFCs that need RBI audit-ready credit decision documentation with their own policy rationale.
Book a 45-minute discovery call. We map your credit policy into a system spec. You get a fixed-price quote. No commitment.
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