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Financial services

AI agents for fintech and lending

Collect EMIs, verify borrowers and stay ready for your bank partners.

NBFCs, lending apps and payment companies run on trust and timing. xAgents chase EMIs politely, check KYC documents before you pay for verification, answer loan questions from your own terms and keep your DPDP, incident and audit duties in order.

Start free with this bundle →Talk to sales
Collections AgentKYC AgentSupport AgentPolicy AgentBreach DeskAccess ReviewAI RegisterQuestionnaire AgentAI Ad Studio
Problem 1
Overdue EMIs

Reminders are irregular and the tone is either too soft or too harsh.

Problem 2
KYC rework

Typos and mismatched documents reach verification and cost money.

Problem 3
Partner audits

Bank and co-lending partners ask for policies, access reviews and incident plans.

The bundle

9 agents that fit how fintech and lending work

Collections AgentGet paid on time without awkward calls.xFinance · every planKYC AgentCheck customer documents in seconds, decide in one click.xFinance · every planSupport AgentAnswers customers from your own documents. Hands off when unsure.xService · every planPolicy AgentCheck your privacy policy against India and GCC data laws.xComply · every planBreach DeskGuided response when an incident happens.xSecurity · every planAccess ReviewMonthly check of who has access to what.xSecurity · every planAI RegisterList every AI tool your company uses and rate its risk.xComply · every planQuestionnaire AgentAnswer client security questionnaires in hours, not weeks.xSecurity · every planAI Ad StudioWrite Google, Meta and LinkedIn ads in minutes, checked for risky claims.xGrowth · every plan
Live demo

Try the agents for fintech and lending

Input · try your own
Agent output
Run the agent to see real output. These are the same engines your team uses inside xAgents.
Workflows
EMI collections
  1. 1Import dues from your loan system
  2. 2Reminder ladder from 3 days before EMI
  3. 3Approve and send on WhatsApp
  4. 4Record payment or promise
Borrower onboarding
  1. 1Upload PAN, masked Aadhaar and bank proof
  2. 2Check digits and matches verified
  3. 3Score routes to approve or review
  4. 4Officer decides with a logged reason
Rules covered
India

Digital Personal Data Protection Act, 2023 and Digital Personal Data Protection Rules, 2025; CERT-In Directions of 28 April 2022 under Section 70B(6) of the IT Act, 2000

Key dates and deadlines →United Arab Emirates (onshore)

Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data (PDPL)

Key dates and deadlines →
Custom agents

Built for your workflow by XDQ Labs

  • Loan servicing agent on your LOS
  • Dispute and chargeback agent
  • Regulatory reporting assistant
Talk to XDQ Labs ↗
Free course · XDQ AcademyFintech Operations: KYC, Collections and Compliance With AISourced lessons with quizzes. No sign up.Start the course ↗
FAQ
Does the KYC Agent replace CKYC or bank verification?

No. It catches format errors, wrong check digits and mismatches across documents first, so the official checks you are required to run cost less and fail less.

Can we call it from our loan system?

Yes. Use the API to create KYC cases and receivables from your own system.