Dana ·
Regional Bank
Marcus ·
Collections Agency
Chris ·
Enterprise Lending
Loan Doc Extractor
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operational
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TCPA Validator
•
operational
NSF Specialist
•
conversational
Increase in portfolio performance
Reduction in manual workflows
Faster time-to-resolution
Debt managed autonomously
[ Industries ]
One System. Every Vertical.
Cut costs, maximize revenue, and
accelerate operations - without compromising compliance.
Consumer
Direct installment loans, point-of-sale financing, and BNPL portfolios with flexible repayment schedules.
Fintechs
Servicers
Debt Buyers
Business
Personal guarantees, revenue-based terms, and complex B2B collection rules.
Lenders
Credit
Recovery
Credit Card
Unsecured, high-volume credit line management. Built for fast, compliant outreach at scale.
Banks
Credit Unions
Collections
Real Estate
High-value first-lien mortgages, HELOCs, and early-stage delinquency resolution.
Lenders
Private Credit
Servicers
Auto
Direct and indirect vehicle financing with automated collateral tracking and cure notice workflows.
Finance
Lenders
Recovery
Medical
Sensitive, high-touch outreach compliant with strict healthcare regulations and patient relationships.
Systems
RCM Firms
Collections
Turn days of manual work into minutes of automated execution. Deploy purpose-built AI agents across underwriting, servicing, and collections with bank-grade compliance built in.
Ask it anything. Watch it build the answer.
A natural-language assistant over your entire book — reports, charts, and dashboards, generated on the spot.
Intelligence
Insights
Dashboards
Nothing happens off the record
Every call, text, and decision is logged the moment it happens — who did it, when, and why.
Audit trail
Timestamped
Human vs. AI
BANK-GRADE SECURITY & GOVERNANCE
Built for institutions that can't take risks
Data infrastructure
Encryption at rest and in transit, 2FA, role-based access, and full audit logs.
Regulatory compliance
Built-in automated guardrails for TCPA, FDCPA, Reg F, and CFPB requirements
AI governance
Human-in-the-loop, non-training model isolation, and quiet-hour enforcement.
SOC 2 Type II Ready
PCI-DSS ready
ISO 27001 ready
Answers to the questions teams ask first.
What does PayPath automate?
PayPath automates operational work across origination, underwriting, servicing, collections, recovery, compliance, and reporting. Each deployment is configured around your institution’s policies, systems, and approval requirements.
How does PayPath integrate with our existing systems?
PayPath connects with loan management systems, loan origination systems, CRMs, payment providers, communication channels, data warehouses, and internal tools through APIs, webhooks, and secure custom integrations.
Can we keep humans involved in critical decisions?
Yes. You can define approval thresholds, exception queues, escalation paths, and review checkpoints so teams stay in control of sensitive or high-impact decisions.
How do you handle compliance and auditability?
Every agent action can be governed by configurable policies and recorded with the context, inputs, outputs, and approvals needed for review. This creates a clear operational audit trail without adding manual documentation work.
Is PayPath secure enough for financial institutions?
PayPath is designed for bank-grade environments with role-based access, encryption, controlled data handling, monitoring, and deployment patterns that align with institutional security requirements.
How long does implementation take?
Timelines depend on workflow complexity and integration scope. Teams can begin with one focused workflow, validate results quickly, and expand into additional processes as the operating model is proven.
Can agents follow our institution’s specific policies?
Yes. Agents are configured around your policies, decision rules, communication standards, risk thresholds, and escalation procedures rather than relying on a generic one-size-fits-all workflow.
How do we measure the impact?
PayPath can track operational metrics such as resolution time, recovery yield, exception volume, agent performance, borrower engagement, and manual hours saved, giving teams a clear view of business impact.
Where should we start?
Start with a high-volume workflow where manual coordination, fragmented systems, or repeated follow-up creates measurable friction. We’ll map the process, identify the right agent roles, and define a focused first deployment.
More about the platform
Agents
Voice Agent
Calls borrowers, verifies identity, and negotiates resolution plans—sounding like a real specialist.
Email Agent
Writes personalized reminders, answers borrower inquiries, and keeps threads moving on autopilot.
SMS Agent
Delivers instant payment nudges and handles rapid Q&A on the channel borrowers open most.
Compliance Agent
Built on a base model trained on state and federal compliance standards, continuously monitored and improved as new regulations are issued.
Document Agent
Ingests complex contracts and financial IDs instantly, extracting key data in seconds.
Payment Agent
Processes immediate card/ACH transactions and structures dynamic payment schedules.
Workflows
Origination Workflow
Autonomous borrower intake, intelligent document extraction, and AI risk scoring.
Servicing Workflow
Autonomous account setup, ledger sync, and real-time balance calculations.
Delinquency Workflow
Smart early-stage payment triggers and automated missed-payment reminders.
Collections Workflow
Agentic contact triggers, adaptive omnichannel outreach, and autonomous PTP tracking.
Recovery Workflow
Automated settlement negotiation, payment plan structuring, and agency assignments.
Charge-off & Legal Workflow
Automated charge-off routing, legal compliance checks, and post-judgment tracking.
Automations
Payment Schedules
Auto-structures ACH and card payment plans based on borrower commitments.
Ledger Reconciliation
Real-time updates to balances, payoffs, and payment history across core systems.
Hardship Triggers
Instantly detects financial stress indicators and deploys tailored settlement options.
Regulatory Guardrails
Guardrails for time zones and disclosure rules, configured to each institution’s policies.
Account Re-engagement
Re-activates dormant or unresponsive accounts with dynamic settlement offers.
Exception Routing
Human-in-the-loop routing for complex edge cases, disputes, and irregular account events.
Analytics
Recovery Yield Tracking
Live yield and liquidation tracking across portfolios, cohorts, and asset classes.
Agent Performance
Agentic performance metrics — evaluating conversation quality, resolution efficiency, and cost per dollar recovered.
Borrower Insights
Tracks channel preferences, sentiment, and optimal settlement terms.
Audit Trail & Logs
Full agent reasoning logs and conversation transcripts. Audit logs of agent actions.
Portfolio Forecasting
AI-driven projections on expected cash flows and recovery timelines.
Executive Reporting
Generates dynamic financial dashboards and exportable reports in seconds.
Platform
Core LMS & LOS Sync
Direct bi-directional APIs for standard loan management and core banking software.
Omnichannel Gateway
Enterprise voice, SMS, and email infrastructure built for high deliverability.
Bank-Grade Security
Built with SOC 2 Type II compliance, HIPAA standards, and end-to-end encryption.
Custom Logic Engine
Autonomous policy engine — configure custom guardrails, risk thresholds, and agentic workflows.
Role-Based Access
Granular permission controls for managers, auditors, and operations teams.
Webhooks, API/MCP Access
Extend PayPath capabilities directly into your internal microservices.
