Digital Lenders and Fintechs, this is for you
You know your loan product. You know your market. What you do not want is 12 months of integration work before you can serve a single borrower.
Metagens.ai delivers origination, AML, core banking, and payments as one native system—live in 6-8 weeks.
The average digital lender building a US lending product in 2026 signs contracts with five or more vendors before they process a single loan: a loan origination system, a loan servicing platform, a KYC/AML provider, a payments processor, and a core banking ledger. Some add a card processor for a sixth
The true cost isn't the software licenses—it's the engineering hours wasted building glue code between incompatible APIs. It’s the outages that bounce between three vendor support queues. It’s the product roadmap that freezes because your vendors' release cycles don't align.
We built the alternative. Engineered by the team who shipped production ACH and credit infrastructure at scale, Metagens.ai replaces the multi-vendor assembly with a single, unified codebase. Your engineers focus on credit logic and UX; we handle the infrastructure.
ACH. Fedwire. ISO 20022. Every major US payment rail in one platform — not assembled from partners, not migrated from a legacy format. Built natively from the first line of code. Real-time validation and compliance checks run before every payment executes. Not after.
from online application to final repayment — origination, automated decisioning, KYC, disbursement, revolving credit, payment mandates — in one system. No separate servicing platform
AML SAR generation, OFAC screening, PEP detection, real-time risk scoring — built into the lending architecture. Not a compliance module you configure after go-live.
ledger Multi-tenant, multi-currency, real-time balance updates, automated reconciliation. The ledger your lending and payments modules run on — same data model, zero sync overhead
ACH (NACHA), Fedwire, ISO 20022 native. In the US pipeline — speak to us about your timeline. Integrated into the same stack as lending and core banking.
debit, virtual, tokenised card issuing. Connected to the lending module and core banking ledger natively — for card-based credit products, BNPL, and revolving credit with card access
Metagens.ai provides the highly configurable infrastructure required to launch complex credit products. From automated consumer loans to dynamic B2B credit lines, deploy your specific product rules and repayment schedules on a single native ledger.
Online consumer loan products with automated decisioning, credit bureau integration, and compliance-native AML. From application to disbursement without manual underwriting
Business loan origination with multi-document collection, business credit assessment, and revolving credit line management. Multi-tenancy supports multiple loan book structures on one deployment
Buy-now-pay-later products with short-term credit, automated payment mandate collection, and card-based disbursement. Compliance-native for regulated BNPL products in the US market.
Revolving credit facility management — credit limits, draw-down cycles, minimum payment calculations, and automatic payment collection. Native to the same ledger as the loan book.
6–8 weeks for a full-stack deployment covering Lending + AML + Core Banking — configured to your product specification. This assumes your engineering team is available for the integration touchpoints our team needs and that you are building a new deployment rather than migrating an existing loan book. Single-module deployments are faster. Migrations are scoped separately.
Engineering costs vary by team, but the pattern is consistent: 800–1,400 hours of engineering time to build and test the initial integration across five vendors, 200–400 hours per year to maintain API compatibility as vendors update, and a non-quantifiable cost in delayed launches every time a feature requires changes across multiple systems. Metagens.ai's 6–8 week deployment timeline represents the alternative: one system, one engineering team, one go-live date.
The platform is built on cloud infrastructure with horizontal scaling across all modules. Multi-tenancy allows multiple loan books and product lines on one deployment. Usage-based billing means you pay for your actual transaction volume — not a fixed licence that you overpay in early stages and negotiate to change as you grow.
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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