Assess affordability in seconds with consented account data and collect repayments at low cost.
Assess affordability accurately and fast with real transaction data.
Speed up KYC; block fake applications at the source.
Collect instalments and repayments account-to-account at low fees.
Disburse approved credit to the customer in seconds, 24/7.
It enables fast, accurate risk assessment from the applicant's real income/expense data, account verification, low-cost repayment and instant disbursement.
With consent, the applicant shares bank movements; categorized data lets you assess income stability and spending profile in seconds.
Yes. With payment initiation, the approved loan is sent instantly to the verified account via FAST.
Yes. Bank-to-bank collection removes card fees, and direct debit automates regular repayment.
A licensed partner holds the open-banking roles; Kobaküs provides the infrastructure and data layer and holds no funds.
Yes. Access is based on FAPI/OAuth/mTLS standards and is KVKK-compliant; data is processed only within consent and purpose.
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