💹 Fintech & Capital Markets · C4 Architecture · Pro
Digital Lending Platform
A digital lending app that takes a loan application from KYC to disbursal in minutes, using credit bureau data, bank statement analysis and e-mandates for repayment.
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Drawing diagram…
What this diagram shows
- KYC, bureau check and income analysis run automatically
- The loan agreement is signed digitally
- EMIs are collected through an e-mandate
Prompt used
Digital lending platform: borrowers use a mobile app that talks to a loan origination service. It calls a KYC service (Aadhaar e-KYC via a KYC provider), pulls the credit bureau report, and analyses bank statements through an Account Aggregator. A rules and scoring engine decides the offer. Agreements are e-signed, the loan is recorded in the loan management system, money is disbursed through the bank's API, and EMIs are collected with NACH e-mandates.
Mermaid code
C4Container
title Digital Lending Platform
Person(borrower, "Borrower", "Applies for a loan")
System_Boundary(lend, "Lending Platform") {
Container(app, "Borrower App", "Flutter", "Application and repayments")
Container(los, "Loan Origination Service", "Java", "Application workflow")
Container(score, "Decision Engine", "Python", "Rules and credit score")
Container(lms, "Loan Management System", "Java", "Schedules, EMIs, closures")
ContainerDb(db, "Loan DB", "PostgreSQL", "Applications and loans")
}
System_Ext(kyc, "KYC Provider", "e-KYC and video KYC")
System_Ext(bureau, "Credit Bureau", "Credit reports")
System_Ext(aa, "Account Aggregator", "Bank statements with consent")
System_Ext(esign, "e-Sign Service", "Digital signatures")
System_Ext(bank, "Partner Bank", "Disbursal and NACH")
Rel(borrower, app, "Uses")
Rel(app, los, "Applies", "HTTPS")
Rel(los, kyc, "Verifies identity")
Rel(los, bureau, "Pulls report")
Rel(los, aa, "Fetches statements")
Rel(los, score, "Gets decision")
Rel(los, esign, "Signs agreement")
Rel(los, lms, "Books loan")
Rel(lms, bank, "Disburses and collects EMIs")
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