Full-Cycle Pawn & SME Lending
Automated.
Streamline your operations with intelligent collateral appraisal, secure vault custody, and seamless Bakong KHQR settlement reconciliation.
Core Capabilities
Built for precision, scale, and compliance.
Collateral Appraisal Agent
Automated appraisal using historical data and market trends to provide instant valuation for gold, vehicles, and electronics.
Bakong KHQR Settlement
Generate dynamic KHQR codes. Automatic reconciliation when payments hit your bank, instantly updating the loan ledger.
Multi-Branch Vault Ledger
Centralize your operations. Track collateral location, staff access, and asset status across all branches in real-time.
System Architecture
Omnichannel Inputs
Mobile, Web, and POS data ingestion pipelines.
LOY AI Core
Risk analysis, valuation, and automated underwriting.
Secure Ledger
Immutable record-keeping and NBC compliance reporting.
Ready to upgrade your lending?
Deploy the Loy Finance LOS platform and start automating today.