FastFund Capital, a digital lender targeting freelancers and gig economy workers, faced a rapidly evolving market. They encountered critical challenges:

• Manual-heavy KYC & risk assessments, slowing approvals and frustrating applicants who expected near-instant decisions.
• A lack of alternative credit data analysis, excluding many thin-file applicants who might actually be low risk.
• Increasing regulatory scrutiny demanded immutable audit trails and airtight compliance.

Their goal was to:

• Build a secure, API-first lending platform that automates KYC, leverages machine learning for smarter credit decisions, and handles thousands of concurrent transactions.
• Provide transparency and control to borrowers via interactive dashboards, while giving underwriters and compliance teams tools to minimize defaults and stay ahead of audits.

FastFund chose ThoughtWin IT Solutions for our fintech-grade security expertise, production-grade ML deployment skills, and proven success designing audit-friendly, high-volume transactional architectures.

• Automated KYC & AML Flows: Integrated with global ID providers, chaining fallback checks and monitoring SLAs.
• Real-time Credit Scoring: Python FastAPI services scored borrowers in real time using alternative data like utility bills and e-commerce patterns.
• Transaction Engine: Node.js + Redis handled thousands of repayments daily, ensuring PCI DSS compliance with tokenized vaults.
• Role-based Dashboards: ReactJS dashboards catered to borrowers, underwriters, and compliance teams with granular role-based access.

• API-first Design: Allowed partners to plug in direct lending APIs without rewriting the backend, future-proofing B2B partnerships.
• FastAPI for Scoring: Credit scoring runs on its own microservice, reducing risk of a spike in risk checks slowing repayments.
• Immutable Log Chain: Used cryptographic hash chains on log writes, ensuring even internal DB admins couldn’t manipulate audit data — a major compliance selling point.
• JSONB Risk Profiles: Enabled storing diverse underwriting data points as models evolved, without disruptive migrations.

Designed visualization tools including:

• Borrowers see rich loan lifecycle graphs (past payments, upcoming EMIs), building trust and lowering churn.
• Underwriter dashboards highlight alternative data signals (like on-time utility bills, e-commerce spend) to explain risk scores, improving loan approval confidence.
• Compliance teams get instant PDF exports of transactions and immutable logs, drastically shortening regulator audit cycles.

• Cut approval times by 70%, scaling to 5,000+ loans/month.
• Passed regulator audits cleanly with cryptographically secure logs.
• Reduced delinquency by 15% through smart repayment nudges.