

AOPAY BNexus is an all-in-one Core Banking Solution designed to help financial institutions modernize their operations, accelerate digital transformation, and deliver exceptional customer experiences. Built with a secure, cloud-ready architecture, it empowers banks, neobanks, credit unions, and microfinance institutions to streamline operations while maintaining full regulatory compliance.

AOPAY LendOps is a complete loan/lending management software designed to simplify and automate the entire lending lifecycle. From origination to servicing and reporting, LendOps empowers financial institutions, credit unions, and fintech companies to manage loans with efficiency, accuracy, and compliance. With LendOps, lenders can: - Automate loan processing and approval workflows to reduce manual errors. - Gain real-time visibility into loan portfolios and performance metrics. - Ensure compliance with regulatory standards effortlessly. - Enhance borrower experience with seamless digital interfaces. - Integrate with existing systems for a smooth, end-to-end lending operation. Whether managing consumer loans, business financing, or specialized lending products, LendOps helps organizations increase productivity, minimize risk, and deliver a superior lending experience.

NBFC FlexCred – Comprehensive NBFC Software for Efficient Loan Management NBFC FlexCred is a powerful NBFC software solution designed to simplify and automate the entire lending lifecycle for non-banking financial companies. From loan origination and approvals to servicing, collections, and reporting, NBFC FlexCred helps financial institutions streamline operations, improve efficiency, and ensure regulatory compliance. Key Features of NBFC FlexCred: - End-to-End Loan Management: Manage personal, business, and SME loans seamlessly with automated workflows. - Digital Lending: Fast, paperless loan processing for an enhanced borrower experience. - Compliance & Reporting: Built-in regulatory compliance checks and real-time reporting dashboards. - Easy Integration & Customization: Integrates smoothly with existing systems and adapts to unique business workflows. - Analytics & Insights: Advanced reporting and analytics tools for informed, data-driven decision-making. Trusted by NBFCs, fintech companies, and credit institutions, NBFC FlexCred enables organizations to reduce errors, accelerate loan processing, and deliver a superior lending experience.

MicroFin is a secure microfinance software solution designed to simplify and automate the entire lending process for microfinance institutions (MFIs). From client onboarding and loan disbursement to repayment tracking and reporting, MicroFin helps organizations manage microloans efficiently while ensuring compliance with regulatory requirements. Key Features of MicroFin: - End-to-End Loan Management: Handle microloans, group lending, and individual loans seamlessly with automated workflows. - Digital Lending: Enable paperless loan applications and approvals to improve borrower experience. - Compliance & Reporting: Stay compliant with regulatory standards and generate real-time financial and operational reports. - Integration & Customization: Easily integrates with existing systems and adapts to unique operational workflows. - Analytics & Insights: Gain actionable insights with advanced dashboards for better decision-making. Trusted by microfinance institutions and community lenders, MicroFin empowers organizations to increase operational efficiency, reduce errors, and deliver a better lending experience to clients.

NIDHISphere – Complete NIDHI Company Software for Efficient Financial Management. AOPAY NIDHISphere is a comprehensive software solution designed specifically for NIDHI companies, helping streamline financial operations and enhance member management. From savings and loan management to compliance and reporting, NIDHISphere simplifies every aspect of NIDHI company operations, enabling organizations to run efficiently and stay fully compliant with regulatory requirements. Key Features of NIDHISphere: - Savings & Loan Management: Manage member deposits, loans, and repayments seamlessly with automated workflows. - Member Management: Efficiently track and manage member accounts, transactions, and communication. - Compliance & Reporting: Built-in regulatory compliance checks and real-time reporting dashboards. - Integration & Customization: Easily integrates with existing systems and adapts to unique operational workflows. - Analytics & Insights: Gain actionable insights through advanced dashboards for better decision-making. Trusted by NIDHI companies, NIDHISphere improves operational efficiency, reduces errors, and ensures a smooth experience for both staff and members.

LendFusion – Advanced Co-Lending Software for Seamless Partnership Lending. AOPAY LendFusion is a powerful co-lending software designed to streamline collaboration between banks, NBFCs, and fintech companies. By automating and managing the entire co-lending lifecycle—from loan origination and disbursal to servicing and reporting—LendFusion helps financial institutions reduce manual errors, ensure regulatory compliance, and deliver a seamless lending experience. Key Features of LendFusion: - End-to-End Co-Lending Management: Efficiently manage shared loan portfolios with multiple lenders and automated workflows. - Digital Loan Processing: Enable fast, paperless loan applications, approvals, and disbursals for borrowers. - Compliance & Reporting: Built-in regulatory compliance and real-time reporting for transparent operations. - Integration & Customization: Easily integrates with existing systems and adapts to specific co-lending partnership models. - Analytics & Insights: Access advanced dashboards to track loan performance and make data-driven decisions. Trusted by banks, NBFCs, and fintech companies, LendFusion empowers organizations to optimize co-lending operations, enhance collaboration, and provide borrowers with faster, more reliable access to credit.

PeerFlux – Innovative Peer-to-Peer Lending Software for Seamless Borrowing and Investing. AOPAY PeerFlux is a cutting-edge peer-to-peer (P2P) lending software designed to connect borrowers and investors efficiently and securely. By automating the entire lending process—from borrower onboarding and credit assessment to loan disbursement, repayment tracking, and investor management—PeerFlux enables P2P platforms to operate smoothly while ensuring compliance and transparency. Key Features of PeerFlux: - End-to-End P2P Lending Management: Manage loans, borrowers, and investors with automated workflows. - Digital Loan Processing: Streamlined, paperless loan applications and approvals for faster funding. - Investor Management: Track investments, returns, and portfolios in real-time. - Compliance & Reporting: Built-in regulatory compliance checks and comprehensive reporting dashboards. - Analytics & Insights: Advanced analytics to monitor loan performance, borrower behavior, and platform growth. Trusted by P2P lending platforms and fintech companies, PeerFlux helps increase operational efficiency, reduce errors, and provide borrowers and investors with a seamless, transparent lending experience.

CredScoop – Comprehensive Credit Cooperative Society Software for Efficient Financial Management. AOPAY CredScoop is a robust software solution designed specifically for credit cooperative societies, helping streamline operations, manage member accounts, and improve financial efficiency. From member onboarding and savings management to loan disbursal, repayment tracking, and compliance reporting, CredScoop simplifies every aspect of cooperative society management. Key Features of CredScoop: - Member & Account Management: Efficiently manage member profiles, savings, deposits, and transactions. - Loan Management: Automate loan applications, approvals, disbursals, and repayments. - Compliance & Reporting: Stay fully compliant with regulatory standards and generate real-time reports. - Integration & Customization: Easily integrates with existing systems and adapts to unique cooperative workflows. - Analytics & Insights: Gain actionable insights with dashboards to track financial performance and member activity. Trusted by credit cooperative societies and community lenders, CredScoop enhances operational efficiency, reduces errors, and delivers a seamless experience for both staff and members.

Trexty – Advanced Treasury Management Software for Optimized Financial Operations. AOPAY Trexty is a comprehensive treasury management software designed to help organizations streamline cash, liquidity, and risk management processes. From cash flow forecasting and investment tracking to risk assessment and regulatory compliance, Trexty empowers finance teams to make informed decisions, optimize resources, and maintain financial stability. Key Features of Trexty: - Cash & Liquidity Management: Monitor cash positions, optimize liquidity, and ensure smooth financial operations. - Risk Management: Identify, assess, and mitigate financial risks with advanced analytical tools. - Investment Tracking: Manage short-term and long-term investments with real-time visibility. - Compliance & Reporting: Ensure regulatory compliance with automated reporting and audit-ready documentation. - Integration & Customization: Seamlessly integrates with existing ERP and financial systems, adaptable to unique workflows. - Analytics & Insights: Advanced dashboards provide actionable insights for strategic financial decision-making. Trusted by corporates, financial institutions, and treasury teams, Trexty helps organizations improve efficiency, reduce risk, and make smarter financial decisions.
AOPAY Technology is a next-generation, cloud-native, modular fintech and digital banking platform built to empower financial institutions with the agility, resilience, and innovation needed to thrive in today’s fast-evolving financial landscape. Designed as a front-to-back, end-to-end solution, AOPAY Technology provides everything modern banks, NBFCs, neobanks, fintechs, and cooperative institutions need to operate efficiently, engage customers effectively, and adapt rapidly to changing regulatory, market, and customer demands. Whether you’re a global bank or a regional financial institution, our platform delivers the tools to drive digital transformation without the complexity. AOPAY Technology enables seamless integration, smarter decision-making, and faster product rollout. Its modular structure allows institutions to adopt the components they need, when they need them—covering everything from deposits, payments, lending, and regulatory reporting to digital banking, payroll, microfinance, and risk management. Key capabilities include: 1/ Payments and Cards – with real-time processing and multi-channel support 2/ Loan Origination & Risk Assessment – powered by AI-driven analytics 3/ Regulatory Reporting – data-centric compliance for local and global standards 4/ Digital Onboarding & Customer Engagement – enhanced with embedded AI 5/ Open Banking & Ecosystem Integration – plug-and-play APIs for flexibility The platform is available on public, private, or hybrid cloud, ensuring enterprise-grade security, reliability, and scalability. Financial institutions worldwide trust AOPAY Technology for its innovation, performance, and ability to scale with evolving business needs. It’s recognized by top industry analysts for delivering cutting-edge digital financial solutions that help institutions stay ahead. Why customers choose AOPAY Technology: ✅ Customer-Centric Design Leverage AI-powered insights to deliver personalized experiences across channels, increasing customer engagement and satisfaction. ✅ Speed and Agility Launch products faster with low-code/no-code tools that empower business teams while reducing IT dependency. ✅ Enterprise-Grade Performance Cloud-native infrastructure scales confidently, processing millions of transactions daily with 24/7 availability. ✅ Regulatory Confidence Ensure full compliance with automated reporting for timely and accurate delivery, every time. ✅ Future-Ready Architecture Supports continuous innovation, plug-and-play extensions, and ecosystem collaboration via open APIs. Whether your goal is to modernize core banking systems, launch new digital services, or expand globally, AOPAY Technology provides the technological foundation and business flexibility to help financial institutions grow, innovate, and succeed.