Intelligence, in tune with your institution.
HAiLP is the AI layer of the LoanCirrus platform — document verification, risk scoring, fraud detection and policy rules working in harmony with your people on every credit decision. Built on the platform behind 120,000+ funded loans.
The model recommends. Your people decide.
“Harmonic” is deliberate. HAiLP extends the Digital Lending Platform and Reach with governed AI across origination, servicing and customer interaction — learning from your workflows, suggesting optimizations, automating decisions where safe and flagging exceptions where human judgement is warranted. An AI recommendation is never a final decision: the model recommends, your analyst decides, the rules engine governs, and the regulator can see everything. And because HAiLP runs on the LoanCirrus Process Engine, every agent action is a process step like any other — with an owner, a time budget and an escalation path.
Four services. One decision.
DocVer
Real-time verification of IDs, payslips, statements and trade documents — OCR, classification and face-match, with per-field confidence.
RiskScoring
Calibrated probability of default, recommended limits and loss estimates — every score paired with human-readable reason codes.
Fraud Service
Anomaly detection with device, velocity and document-consistency signals. High-risk cases route to investigators — not to auto-decline.
Rules Engine
A configurable, jurisdiction-aware policy layer that turns model output into a defensible decision — and names every rule that fired.
Governed by design.
Human-in-the-loop
Every recommendation can be overridden by a credentialled user — and every override is preserved in an immutable audit record.
Explainable decisions
Reason codes on every decision, mapped to a regulated taxonomy, with fair-lending testing on every cohort.
Continuous learning, controlled release
Models retrain as outcomes mature, prove themselves in shadow mode, and promote only after documented sign-off.
Compliance as configuration
ECOA, FCRA, FINTRAC, OFAC, PIPEDA and prudential expectations encoded as configurable rules — not redesigns.
Every credit product.
Consumer credit
Cards, personal and auto loans — end-to-end decisions, including KYC and document checks, in under sixty seconds for most cases.
Mortgages
Pre-qualification in minutes, AI-tracked conditions and document forensics — with the underwriter holding the closing sign-off.
Trade finance
Machine-speed consistency checks across invoices, POs and bills of lading, with multi-party risk and sanctions screening.
Letters of credit
Rules-led examination, applicant assessment and KYC re-screening at issuance and presentation — conservative by design.
Open by design.
HAiLP ships with native agents — and orchestrates agents beyond it. Bring the AI your institution already uses or builds: external agents work inside the same guardrails, the same audit trail and the same human checkpoints as our own.
Put intelligence behind every decision.
See HAiLP working inside your processes — in your market.