# Credit that gets approved in a chat.

URL: https://www.elocuenti.com/en/solutions/fintech

Onboarding, KYC, and scoring in the same conversation. The customer sends documents over WhatsApp, the agent verifies and moves forward, no endless forms, nobody standing in line.

## From first message to disbursement.

- **Verifies identity in the chat** The customer sends ID, proof of income, and a selfie over WhatsApp. The agent reads, validates, and builds the file, no separate app, no portal nobody opens.
- **Qualifies and builds the file** Collects what's missing, organizes the data, and leaves the case ready for a decision. What took days of back-and-forth happens in one conversation.
- **Collects before it goes late** Timely reminders, payment link, and payment plans, on the channel where the customer actually replies. Less delinquency, fewer calls.
- **Escalates to a person when needed** If the case needs a human, it arrives with full context and documents on hand. No re-asking the same thing.

## Works with what you already use

- WhatsApp
- Voice
- Elopay (Colombia)
- Your own systems

## Products, integrations and guides for your industry

- WhatsApp CRM: A WhatsApp CRM where the AI captures data from the chat, moves every lead through your pipeline and follows up. Instagram and Messenger on the same profile.
- AI customer service: AI customer service that opens cases, assigns them on its own, escalates by your rules and measures satisfaction at the end of every conversation.
- AI voice agent: An AI voice agent answers and makes calls 24/7: replies with your knowledge, books appointments, hands off to your team and summarizes every call.
- Omnichannel inbox: An omnichannel inbox brings WhatsApp, Instagram, Messenger and calls into one place, with the AI in automatic, copilot or manual mode per chat.
- WhatsApp Automations: WhatsApp automation means building triggers, steps and actions that run on their own: follow-ups, WhatsApp flows and automatic replies, no code needed.
- WhatsApp API: The WhatsApp API (WhatsApp Business Platform): what it is, how it differs from the app, what it costs, and the steps to activate it on your business number.

## Frequently asked questions about KYC and lending on WhatsApp

- **What is KYC on WhatsApp?** KYC (“know your customer”) is verifying a customer's identity before granting credit or opening an account. On WhatsApp, the customer sends their ID, proof of income and a selfie in the chat, and the agent reads them, validates them and builds the file, with no separate app or portal.
- **What documents can the agent receive?** Whatever the customer sends over WhatsApp: photos of their ID and proofs, a selfie or a PDF. The agent reads them, asks for what's missing and leaves the case ready for a decision.
- **Who approves the credit?** Your team, with your credit rules. The agent verifies, qualifies and builds the file; if the case needs a person, it arrives with full context and the documents on hand.
- **How is data protected?** We encrypt data in transit and at rest, isolate each business's data and control access by role. Payments are processed by the payment gateway: we don't store card data.