The auditable core of savings finance.
Pool ledger, lottery draw engine, contract lifecycle, identity and KYC, collections and audit trail — in a single event-sourced body. A white-label platform for savings finance companies regulated by BDDK (Turkey’s banking regulator), banks that want to open this line of business, and new entrants going from license application to launch. Not waiting for audit day, but living audit-ready.
- 28
- Business modules
- 382
- Functional requirements
- 100%
- Event-sourced audit trail
- N-5
- Release compatibility commitment
- 14:02:11ContractOpened#TS-88121
- 14:02:12InstallmentMatched₺ 4.500,00
- 14:03:40ListLocked1,284 members
- 14:03:41SeedRecorded9f3a…c21e
- 14:03:42DrawExecutedv3.2.0
- 14:03:42EvidencePackFrozen5/5
- 14:03:50WinnersNotified1.284 SMS
- 14:05:00RegulatorReportFiledmonthly · automatic
Re-run: same seed, same list → same result ✓
The architectural difference
- Rule packs, not code
- Rule sets tied to the article of regulation, with effective dates; every contract is pinned to the rule version in force at signing. A regulatory change goes live the same day.
- Reproducible draws
- Locked list, recorded seed, algorithm version; the auditor reruns the draw with the same inputs and gets the same result.
- A single calculation service
- Installment, savings, queue position and capacity are calculated in one place across five channels; “two figures on two screens” cannot happen.
- The audit trail is operating data
- An append-only event ledger; accounting vouchers and regulatory reporting derive from this ledger.
- Low-code studio
- The organization’s own team makes screen, field and flow changes; code does not fork.
Who it is for
Savings finance companies
The whole licensed operation: pool, draw, contract, collections, reporting.
Banks
A new line of business beside existing core banking, with a separate ledger and a separate rule set.
Subsidiaries and new entrants
From license application to launch: ready process packs and white-label branding.
Product and project can be assessed together.
Our products can be deployed on their own or as part of a broader transformation program. In the first meeting we work out together which structure fits your need.