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Case study · FinTech / Lending Infrastructure
AI-driven loan processing for real-time credit decisions.
Document AI agents that parse, validate and structure KYC and financial documents, then match applicants to lenders, cutting loan processing from days to minutes.
- Client
- CoinTribe
- Industry
- FinTech / Lending Infrastructure
- Delivery
- Web platform and AI agent backend
- Capability
- Document AI
Results at a glance
Days → minutesloan processing time
60–70%less manual document validation
The challenge
What CoinTribe was up against.
For lenders, speed is limited by documents, not capital. CoinTribe faced manual collection of Aadhaar, PAN, bank statements and TIN documents, slow verification and fragmented credit assessment.
- Manual KYC and financial document collection
- Slow validation and verification
- Fragmented credit assessment
- Delays in lender matching and case transfer
The solution
What we built.
Skugal built a document intelligence platform where specialised agents parse, validate and structure financial documents in real time, from intake to lender hand-off.
AI document processing
Textract extraction plus custom ML checks for authenticity and completeness, with real-time error detection.
Credit dashboard
Automated statement parsing into income, expense and cash-flow summaries for underwriters.
Credit score & lender matching
PAN-based credit score retrieval, rule-driven lender shortlists and secure case transfer.
Audit & communication
End-to-end audit logs, role-based access and SMS/email updates at every stage.
How it works
From input to outcome.
- Applicant submits documents
- Parsing agent (Textract)
- Validation & structuring agent
- Financial analysis agent
- Credit score & lender matching
- Underwriter dashboard + lender transfer
Business impact
What changed.
CoinTribe launched a production-grade loan processing platform that turns document-heavy lending into a real-time, scalable credit decision system.
Technology
- AWS Textract
- Custom ML rules
- Java
- Spring Boot
- Angular
- React
- MySQL
- MongoDB
- AWS S3
- Loan processing reduced from days to minutes
- 60–70% less manual document validation
- Faster, more consistent underwriting
- Audit-ready workflows for compliance
In lending, speed comes from understanding documents, not just collecting them.
Next step
Have a similar challenge?
Tell us about the workflow or product. We’ll come back with an architecture, a delivery plan and where AI agents fit.