Match capital to borrowers, at platform scale.
P2P and marketplace lenders run two books at once: investors and borrowers. Oradian gives you the ledger, the allocation engine, and the regulator-grade controls to manage both safely, across multiple loan products, multiple investor classes, and the transaction volumes that come with a growing marketplace.
Two businesses on one platform. Most cores only handle one.
A P2P or marketplace lending operation is structurally more complex than a balance sheet lender. You manage investor relationships, onboarding, holding funds, allocating returns, reporting performance, and borrower relationships, origination, disbursement, collections, arrears, at the same time. Both books need to reconcile in real time, satisfy different regulatory obligations, and report separately to different audiences.
Most core banking platforms were designed for one side of this equation. Generic lending platforms don't have investor wallet infrastructure. Generic banking platforms don't have marketplace allocation engines. Bridging the two on a platform not designed for it creates operational complexity that grows faster than your loan book.
Oradian's platform handles both sides natively, on a single real-time ledger, with allocation logic, fund segregation controls and investor-facing reporting built in rather than patched on.
The core under the marketplace.
Investor wallets, fractional allocations, fund flows and multi-class reporting, all on a single, real-time, auditable ledger. Architectural decisions about multi-party fund flows, not features bolted onto a standard banking core.
Investor wallets and accounts
Investors as first-class entities with their own accounts, histories and reporting. Segregated balances reconciled against underlying loan exposures in real time. Same KYC/AML workflow as borrowers, same audit trail, same API layer.
Fractional allocation and matching engine
Configurable allocation rules, auto-invest, manual, hybrid, with diversification constraints. Fractional investment tracked at the transaction level. Parameterised, so operations changes rules without custom development.
Portfolio analytics for your team and your investors
Live PAR by vintage, concentration, expected vs actual returns for risk. Investor-facing portfolio views generated from the same data as your board pack. One source of truth, no manual reporting.
Regulator-ready controls
Client money segregation, full audit trail for every fund movement, regulatory reporting designed around the disclosure requirements that P2P regulators in Asia, Africa and Europe impose.
API-first integrations
Payments for investor deposits and withdrawals, KYC/AML providers, credit bureaus, alternative data, collections, secondary market infrastructure, all through the same open API layer with the same governance.
Multi-investor class support
Retail, accredited and institutional investors with different rules, fees, disclosures and minimums, configured through parameterisation. Grow from retail-only to institutional capital without re-architecting.
The full marketplace lifecycle on one platform.
Investor onboarding
KYC verification, accreditation checks, account creation and initial deposit, through a configurable workflow connected to your identity and payment partners via API.
Loan origination
Borrower application, credit assessment using your own models, bureau data or alternative data through pluggable scoring, approval and loan record creation, on the same platform.
Allocation
Investor capital matched to loan opportunities according to your configured rules. Fractional allocations recorded at the transaction level. Investor balances update in real time.
Disbursement and servicing
Loan funds disbursed to borrowers. Repayments collected, split according to allocation records and distributed to investor accounts automatically, with every movement traceable on the ledger.
Reporting
Investor-facing and internal reporting drawn from the same real-time data source. Performance dashboards, regulatory reports and investor statements generated on demand.
Where AI creates the most value for marketplace lenders.
Credit scoring for thin-file borrowers
AI models that assess creditworthiness from alternative data, mobile wallet transactions, utility payments, telco records, expand the addressable borrower base in emerging markets without proportionally increasing default risk.
Portfolio risk monitoring
Real-time monitoring of delinquency trends by vintage, concentration warnings and early repayment pattern changes, visibility into developing problems before they reach the investor report.
Investor churn prediction
AI models that identify early warning signals in investor behaviour, reduced allocation, withdrawals, so your team engages proactively rather than reactively.
Match lenders and borrowers on a regulated core.
Marketplace flows, investor accounting and governed loan servicing, out of the box.
Talk to our team