Platform Capabilities
Everything you need to
lend intelligently
A modular, composable platform that adapts to your lending vertical—consumer, SMB, mortgage, or embedded finance.
AI-Powered Underwriting
Proprietary ML models analyze 1,500+ data points in real time. Reduce default rates by 40% while approving 25% more applications through intelligent risk scoring.
API-First Architecture
RESTful APIs with 99.99% uptime SLA. Integrate in days, not months.
Developer Experience
Ship faster with our SDK, webhooks, and sandbox.
// Create a loan application
const app = await velox.applications.create({
amount: 50000,
term: 36,
type: "business"
});
// Decision in ~2.4s
const app = await velox.applications.create({
amount: 50000,
term: 36,
type: "business"
});
// Decision in ~2.4s
Smart Contracts & Compliance
Auto-generate compliant loan documents with dynamic terms. State-by-state regulatory compliance built in. TILA, ECOA, HMDA, and fair lending checks run automatically on every decision.
Loan Lifecycle Engine
Automated servicing from disbursement through payoff. Payment processing, escrow, and collections unified.
Portfolio Analytics
Real-time dashboards with predictive insights. Monitor delinquency trends before they become problems.
Enterprise Security
SOC 2 Type II, bank-grade AES-256 encryption, SSO, RBAC, and complete audit trails for every action.
