Application & Identity
Borrower submits application. KYC verification triggers. Documents collected. Credit bureau check runs. All in one workflow — no external handoffs, no silent failures from a third-party API.
Online applications. Automated rules-based decisioning.
Online origination, rules-based decisioning, KYC, and AML compliance to FinCEN standards. A complete loan lifecycle—from application to ACH disbursement—in one unified deployment.
Full loan lifecycle origination through final repayment with a native compliance engine at every step.
The digital lending platform most fintechs build is not really a platform — it is a collection of integrations. A loan origination system from one vendor. A servicing layer from another. KYC from a third party. Payments from a fourth. AML compliance bolted on the side from a fifth.
not if, when. Six vendors means six points where the system can break.
vendor release cycles never align. One change upstream, your stack needs fixing.
escalations bounce between queues because nobody owns the gap between two systems.
a regulator asks, you spend three days pulling data from four systems and reconciling.
AML check, ledger update, compliance record. Same system. Same moment. Already there.
Online loan applications with configurable front-end. Automated rules-based decisioning — your criteria, your approval logic, your risk appetite. Secure document collection, identity verification, KYC provider integration. Credit bureau checks for borrower history. All origination steps in one workflow with no external handoffs.
Disbursement, automated repayment schedules, support for early and partial repayments, loan restructuring when needed, revolving credit line management. The full post-approval lifecycle managed natively — not by a separate servicing platform with its own API and SLA
Native support for revolving credit lines, flexible credit limits, draw-down and repayment cycles, automatic payment collection via payment mandates. Designed for the complexity of revolving products — not retrofitted from a term-loan engine.
KYC provider integration at the origination stage. Secure document collection and storage. Customer onboarding workflows that connect directly to the AML engine — same transaction, no API gap, no data delay between identity and compliance.
Real-time risk scoring on every loan application. SAR generation to FinCEN standards when thresholds are met. OFAC sanctions screening before disbursement. Full audit trail for every lending decision. This is not an add-on. It is built into the lending architecture.
Complete transaction history for every loan. Automated reconciliation against the core banking ledger. Audit-ready records at every lifecycle stage. Regulator-ready reports without preparation — because the data has been structured correctly from the start.
Borrower submits application. KYC verification triggers. Documents collected. Credit bureau check runs. All in one workflow — no external handoffs, no silent failures from a third-party API.
Automated rules-based decisioning runs your approval criteria. Simultaneously, the AML engine screens the applicant against OFAC and global sanctions lists, checks PEP status, and generates a risk score. One decision. One compliance record. One transaction.
Approved loans disbursed via ACH or Fedwire. Core banking ledger records in real time. Borrower repayment schedule activated. No multi-system reconciliation — it is all one system.
Automated payment collection via mandates. Early repayments handled natively. AML monitoring continues across the loan lifetime. Audit-ready reports for compliance and finance teams — no CSV export from four different systems.
Full lending stack — live
Bypass months of fragile integration work. Deploy a fully operational, compliant lending architecture in a fraction of the standard enterprise timeline.
Complex credit line management
Seamlessly manage dynamic credit limits, draw-downs, and loan restructuring. Engineered specifically for complex products, not retrofitted from a rigid term-loan engine.
Post-origination servicing
Automate payment mandates, amortization recalculations, and payoff events. Eliminate manual intervention across the entire repayment lifecycle.
Instant balance reconciliation
Every disbursement, fee, and repayment instantly syncs to the native core banking ledger. Generate accurate portfolio reports on demand, without end-of-month fire drills.
Most digital lending platforms are just origination front-ends duct-taped to third-party servicing engines and external compliance vendors
Metagens.ai is different: we built the entire loan lifecycle into a single native architecture. Origination, automated decisioning, ledger management, and compliance screening happen in the exact same system, eliminating integration failure points
Complete Loan Management: Handle revolving credit, payment mandates, and restructuring instantly.
Real-time Ledger Sync: Disbursements and repayments reconcile automatically with the core banking ledger.
Built-in Compliance: OFAC screening and KYC run seamlessly during the origination workflow—not after the fact.
Consumer loans, SME/business loans, revolving credit lines, lines of credit, and card-based lending products. Loan structures, approval rules, repayment schedules, and credit limit configurations are defined by your team. The platform enforces them. Multi-tenancy means you can operate multiple loan books — different products, different borrower types, different approval logic — on one deployment.
ACH transfers are built to NACHA specification — not via a third-party ACH provider, natively. Return codes, same-day ACH timing, RDFI/ODFI relationships, and prenote workflows are handled by the payments module. For teams deploying before the Payments Platform reaches full US availability, ACH disbursement can be scoped on a case-by-case basis. Speak to us about your disbursement timeline.
Yes. Multi-tenancy supports individual borrower (B2C) and business borrower (B2B) loan structures on the same deployment. Different approval rules, credit criteria, and repayment structures can be configured per loan product per tenant.
The platform integrates with KYC providers at the origination stage as part of the standard deployment. The integration connects the application capture workflow to the identity verification step and feeds the result directly to the AML engine in the same transaction. The pattern was built and operated in production — it is not theoretical.
Yes. The platform uses automated rules-based decisioning — approval criteria, credit scoring thresholds, risk parameters, and loan limit logic are all defined by your team and enforced automatically. Every decision is explainable and audit-ready. This is a regulatory requirement as US scrutiny of opaque AI-based credit decisions increases.
Full-stack fintech infrastructure for teams building lending products in the US market. Lending. AML. Payments. Core Banking. Cards. One deployment. Built native. Not assembled.
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