Our embedded credit platform empowers any wallet, e-commerce, marketplace, brand,
consumer-focused service or software provider to offer loans to its customers. Through our
we do everything from onboarding, KYC and compliance, credit scoring, loan processing,
and disbursement and even collections. The entire process from start to finish is fully
into your app or website through a mini-app experience.
While for compliance reasons we do not offer a pure "white-label" service at the moment,
Olipay takes 100% of the risk in underwriting and makes targeted dynamic loan offers to your
customers, resulting in higher approval rates and better retention over the long term. More
just a lending provider, we work with you to build up the credit portfolio and make sure
unlock as much potential as possible from offering truly tailor-made financial services to
Olipay pays a commission to its partners based on both the origination volume and
the loans. We setup clear and standard shared revenue targets that vary based on the overall
volume originated in a given month. Our incentive is aligned with yours in servicing as many
your customers as possible and generating high engagement with them over time.
Because we take all the risk in underwriting every loan, we need as much data as possible
your customer's likelihood of repayment. Our AI-based predictive technology quickly
tens of thousands of data points and makes a credit decision within a minute. Having access
this alternative data is vital to the success of your customer's credit portfolio as it
unlock higher approval rates and make more tailor-made loan offers.
We fully and rigorously comply with all privacy and data protection laws in every country,
well as explicitly request the customer's consent in using his stored data to process every
We work with every partner's existing data structure and develop a tailor-made coded script
you to run on your end as frequently as possible. The output from this code is only shared
the data endpoint of our API once a customer requests a loan and after receiving approval
the customer to share this data. This allows us to not only comply with local data privacy
but to also ensure that we get the most updated data and thus make loan offers that are a
match for that customer at that specific moment.
While our mission is to deliver financial services to everyone, we are assessing every
partner on a one-on-one basis. If you are interested in partnering up, please reach out to
filling out this form.
In the meantime, our API documentation is available here.
After signing the contract, integrating the Olipay API in your development environment is
straightforward, and we can start making loan offers to a small percentage of your base
Once we start making offers, we generally need 30 days to train our AI-based algorithm with
first set of users before offering loans gradually to a larger portion of your customer
This allows us to build up your customer portfolio in a more efficient manner.
Our partner portal has all times of performance dashboards from volume origination to
and cohort analysis. We also offer detailed breakdown by customer ID, allowing you to really
track performance at a granular level.
Once approved, customers receive funds within minutes. In the case of PIX, it's literally
Our loan terms are generally 30-60 days and start as little as US$30 and can go up to US$300
repeat customers. We do not charge interest but rather a flat fee on the loan that can also
between 10%-15% per month. We do charge a 10% late fee for customers that are past due.
We offer in-app repayment options using our API, and customers can always repay using the
app (no need to register again), as well as our collections portal. We accept cash, credit
debit card, bank transfer, PIX, and other major payment methods.
Do you want to know more about Olipay?
Please fill out the form below, and we will contact you as soon as possible.