A live console, not a screenshot.
Applications arriving, pipeline health, disbursals streaming — the same preview the site already runs, retuned for whoever is reading.
- FFL-10484Personal Loan · ₹3.5LDisbursed
- FFL-10483Business Loan · ₹18LBureau OK
- FFL-10482Gold Loan · ₹1.2LKYC Done
- FFL-10481MSME Loan · ₹42LIn Review
Five domains, one engineering team.
Fluxus Forge builds data-intensive products and runs them as its own first customer. Payments, lending, collections, intelligence — and one thing that has nothing to do with money.
- 01
Payments
Acceptance, on hardware you already own
TapProof turns a stock NFC phone into a card terminal. No device to buy or rent, and every merchant transacts on its own MID.
- 02
Lending
A complete platform, six modules deep
Origination, underwriting, disbursal, servicing, collections and compliance over one data model. RBI-ready, live in four to six weeks.
- 03
Collections
Field recovery as an API
Fieldproof pushes cases to verified partners, collects on your own rails and streams every outcome back as a sequenced webhook.
- 04
Intelligence
Risk that reads your own book
Lendscope computes portfolio health from your data rather than a benchmark. VIKAM scores the borrowers no bureau holds a file on.
- 05
Applied AI
Beyond financial services entirely
Jugnu is a voice-first AI companion for children with a parent-facing mind map — the same team, the same stack, a different problem.
Powering lending operations across India's financial ecosystem
Fluxus Forge Private Limited is the lending service provider. Loans are disbursed by our lending partners, each an RBI-registered NBFC.
Join the lenders scaling with modern infrastructure.
Building lending tech is hard.
We made it simple.
Building in-house lending tech means:
- 6-12 months of development time
- ₹30-50 Lakhs+ in development costs
- Managing 20+ vendor integrations
- Keeping up with regulatory changes
- Hiring specialized fintech engineers
- Maintaining and scaling infrastructure
With Fluxus Forge, you get:
- Production-ready in weeks
- Predictable monthly pricing
- All integrations pre-built
- Auto-updated for compliance
- No specialized hiring needed
- Infrastructure that scales automatically
Everything you need to lend digitally.
A complete lending infrastructure with 6 integrated modules. Launch any loan product in weeks, not months. Scale from 100 to 1 million loans without changing systems.
End-to-end loan journey
From application to servicing — fully automated
Seven powerful modules
Each module works standalone or as part of the complete platform
Lending Platform
End-to-end loan origination and management system. From application to closure, fully automated.
- Multi-channel application capture
- Customer 360° view
- Dynamic eligibility engine
- Auto disbursement via NEFT/IMPS
Collection Suite
Automated collections with intelligent reminders, AI voice calling, and field agent management.
- Smart dialer integration ready
- WhatsApp, SMS, Email automation
- Field agent tracking dashboard
- One-click payment links
API Integration Hub
KYC, Bureau, Payments, eSign — all integrations ready from day one with unified APIs.
- Video KYC (DigiLocker, Aadhaar)
- Credit bureaus (CIBIL, Experian, CRIF)
- Payment gateways & NACH
- eSign & eStamp providers
AI/ML Engine
Custom credit scoring, fraud detection, and predictive analytics powered by machine learning.
- Alternative credit scoring
- Real-time fraud detection
- Income & expense analysis
- Customer segmentation
Workflow Automation
Automate every process — onboarding, collections, support, and compliance with visual workflow builder.
- Configurable workflow rules
- Event-driven triggers
- SLA monitoring & escalations
- Auto notifications & alerts
Compliance Module
Built-in compliance for RBI guidelines, bureau reporting, and regulatory audits.
- RBI Digital Lending compliance
- Bureau reporting ready
- Consent management framework
- KYC/AML documentation
Lendscope
Catch defaulters 30 days early. Lendscope ingests behavioural, device, and network signals from your customer app, then scores every loan 0–100 for pre-default risk — long before DPD.
- 10+ pre-default risk signals
- 0–100 score per loan, recomputed live
- Engagement drop, SIM swap, geo drift, lender-app burst
- Drop-in web + React Native SDKs
All modules. One platform.
Unlike piecing together multiple vendors, Fluxus Forge gives you a unified platform where all modules share the same data layer, user management, and reporting infrastructure.
- Single customer view across all modules
- Unified analytics and reporting
- One API, one integration, one vendor
- Seamless data flow between modules
Watch a loan flow end-to-end.
From the moment an applicant hits submit to the second funds land in their account — every step of the FluxusForge pipeline, under five minutes.
Digital intake via web, app or API. Smart forms + real-time validation.
Auto KYC (Aadhaar, PAN, Video), bureau pull, fraud screening.
AI-approved, disbursed via NEFT/IMPS. Average: under 5 minutes.
One team, five products, one stack.
Acceptance, collections, risk, origination — and one thing that has nothing to do with lending at all. Each runs on the same infrastructure this page describes, which is the strongest argument we can make for it.
TapProof
Any phone becomes a terminal, every payment carries proof.
tapproof.inLendscope
Pre-default risk intelligence.
lendscope.fluxusforge.inVIKAM
आपका पैसा, आपकी भाषा — smart money for Bharat.
vikam.ioJugnu
Every child has a light inside.
getjugnu.comBuilt to work with your ecosystem.
Pre-built integrations across the lending value chain.
KYC & Verification
- Aadhaar eKYC
- PAN Verification
- Video KYC
- Bank Account
- Liveliness Check
Credit Bureaus
- CIBIL
- CRIF Highmark
- Equifax
- Experian
Payments
- UPI
- IMPS/NEFT
- Payment Links
- eNACH
- Auto-debit
Communication
- SMS Gateway
- WhatsApp API
- Push Notifications
- Voice/IVR
Digital Signatures
- Aadhaar eSign
- Digital Sign
- eStamp
- Agreement Gen
Bank Statement
- PDF Parsing
- Account Aggregator
- Income Analysis
All integrations are pre-configured and tested. Simply provide your API credentials and go live.
From zero to live in weeks.
Our streamlined process gets you operational fast.
Discovery
Requirements gathering, product config, workflow design, integration planning
Setup
Platform deployment, API credentials setup, branding & customization
Testing
Integration testing, user acceptance testing, bug fixes & optimization
Go Live
Production deployment, team training, go-live support, monitoring setup
Solutions built for your needs.
Whether you're launching new or scaling existing operations.
Launching a New NBFC?
Get a complete digital lending stack from day one. Focus on business growth while we handle the technology.
Get Started- Complete lending platform (LOS + LMS)
- All regulatory integrations pre-built
- RBI Digital Lending Guidelines compliance
- Customer-facing portal & mobile app
- Admin dashboard for operations
- Collection automation included
- No need to build in-house tech team
- Avoid ₹30-50L+ custom development
- Go live in weeks, not months
- Scale from 100 to 100,000 loans seamlessly
Enterprise-grade infrastructure.
Two Indian regions, a hardened edge, and an information security management system certified to ISO/IEC 27001:2022.
What your data sits on
Enterprise security. Built-in compliance.
Your data protection and regulatory adherence — non-negotiable.
Security Infrastructure
- Mumbai, India — complete data residency
- AES-256 encryption at rest
- TLS 1.3 encryption in transit
- Role-based access control (RBAC)
- Multi-factor authentication
- Regular vulnerability assessments
Compliance Framework
- RBI Digital Lending Guidelines — Compliant
- Credit bureau reporting — All 4 bureaus
- DPDP Act 2023 — Ready
- Complete audit trail — Every action logged
- Consent management — Built-in
- Data retention policies — Configurable
Certifications (Roadmap)
- ISO/IEC 27001:2022 — Certified
- SOC 2 Type II — Planned
Frequently asked questions
Ready to build the future of lending?
Let's discuss how Fluxus Forge can power your lending operations.
contact@fluxusforge.in