Upload your book
CSV or API from your LMS. Cases are validated, de-duplicated and split into a worked group and a randomised holdout.
AI collections for Indian lenders
Iraa Collect talks to borrowers on WhatsApp in Hindi, Hinglish and English, from the lender's own number. It follows RBI conduct rules by construction, puts a human on every sensitive decision, and is paid only on recovery it can prove against a control group.
CSV or API from your LMS. Cases are validated, de-duplicated and split into a worked group and a randomised holdout.
Only inside permitted hours, never to opted-out numbers, with a cadence that learns which channel and time works for each segment.
Verifies identity first, explains dues from your systems, takes firm promises, sends payment links on your own gateway, and routes hardship and disputes to your team.
Your team approves held actions with one tap, takes over any conversation, and asks the agent for today's numbers in plain language.
Every amount, date and link the agent states must come from your systems in that conversation. Anything else is stopped before it is sent.
Threats, shaming and third-party disclosure are blocked in the runtime, in English, Hindi and Hinglish, and tested on every release.
Settlements and exceptions wait for your approval; on timeout, money actions are declined, never auto-approved.
Every message, tool call and decision is written to a hash-chained log with a shareable proof page, and personal data can be erased on request.
A borrower who pays next week because they were treated well beats one who pays today because they were scared.The principle every Iraa conversation is built on