Products
Kalydos Vantage
Flexible lending infrastructure for the next generation of consumer finance.
Kalydos Vantage is a powerful loan management platform built on Apache Fineract® for managing credit portfolios with flexibility, scalability, and high performance. It supports a broad range of lending products, from short-term Buy Now, Pay Later (BNPL) loans to long-term, interest-bearing installment loans.
Vantage is designed for high-volume lending operations, with a scalable architecture supporting up to 1,000 write TPS and 10,000 read TPS, while completing Close of Business processing for 2 million loans in under 30 minutes. Flexible lending capabilities include BNPL products with down payments, multiple disbursement options, and configurable repayment schedules.
Key features
Lifecycle for customers is a unified customer record for all accounts and their status.
Transaction Processing handles real-time payment processing with built in recalculation.
Configurable Loans streamlines process of introducing new lending products via multiple screens of options.
System of record manages all transactions associated with the loans, recalculating interest due based on complex product types and configurations.
Cloud Compliance Tools ensure adherence to banking regulations across multiple jurisdictions with automated reporting and audit trails.
Real-time Processing enables instant transaction settlement and immediate balance updates across all channels.
Banking Infrastructure for Every Institution
Digital
Banks
Digital banks use Kalydos to rapidly deploy and scale new banking services, bringing innovative products to market in weeks rather than months.
Credit
Unions
Credit unions use Kalydos to modernize their technology while preserving member relationships, improving operational efficiency, and adding new digital banking capabilities.
Traditional
Banks
Traditional banks use Kalydos to modernize legacy infrastructure through a gradual approach that reduces disruption while expanding capabilities and supporting digital transformation.
Fintech
Companies
Fintech companies use Kalydos to build and scale financial products on flexible banking infrastructure, without the cost and complexity of developing core banking technology themselves.
Specifications
API-first architecture
Over 300 RESTful endpoints for seamless integration with third-party systems and custom applications.
Cloud-native deployment
Containerized deployment across AWS, Azure, and Google Cloud with auto-scaling capabilities.
Microservices-based design
Independent scaling and updates of individual components without system-wide downtime.
Proven scalability
Handles over 10,000 transactions per second with sub-100ms response times.
Robust Security
Security features include end-to-end encryption, multi-factor authentication, and role-based access controls that exceed industry standards.
Ready to transform your financial services?
Building for scale can be challenging when launching a new product, business unit, or fintech. Kalydos provides the modern infrastructure you need to build for scale from the start, giving you the flexibility to launch, grow, and evolve without having to rebuild your technology along the way.
