One platform, from statement to decision support
Capabilities are grouped by the job they do.
Get statements in
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Statement API
Send one bank statement PDF or a batch through the API and receive structured JSON.
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Portal upload
Upload statements in the web portal and review each result without writing code.
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Signed webhooks
Get notified when processing completes, needs review or fails. Every webhook is signed with HMAC-SHA256.
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Personal data masked before AI
Personal details are masked before a statement reaches the language model, and processing stops if masking cannot be done.
Signals, decisions and operations
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Income, obligations and bounce signals
Salary and income regularity, obligations and FOIR, bounced payments, high-risk spend, and how old and how recent the statement is.
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Financial Health Score
A score from 0 to 100 with an A to E grade that summarises the cash-flow health shown by a statement.
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Tamper screening
Checks the PDF metadata for editor tools, the balance arithmetic and the file structure. High tamper scores are routed to manual review.
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Versioned decision policies
Decision rules are versioned and every decision keeps an append-only trace. The engine is advisory: it never approves or disburses a loan.
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Wallet, postpaid and GST invoices
Pay from a prepaid wallet or on postpaid billing, with GST invoices and usage reports.
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Team access and API keys
Add team members, issue API keys with scopes, and protect portal sign-in with two-factor authentication.
See the platform in a demo
Tell us about your lending workflow and we will show you how it fits.
Request a demoWhat happens in a demo
- Bring a sample statementWe run it through DharaIQ with you, start to finish.
- Read the results togetherScore, cash-flow signals and tamper checks, explained line by line.
- Plan how it fitsAPI or portal, security questions and how billing would work for your team.