Skip to content
Galileo · CollectEye
  1. Galileo, Intake: The application, its documents and the applicant's identity, collected through the form you design.
  2. Galileo, Underwriting: Specialist agents read the evidence and your credit policy, and reason to a recommendation.
  3. Galileo, Decision: The agents recommend. A person with the right authority signs.
  4. Galileo, Offer: The offer and closing steps your workflow sets out for the product.
  5. Galileo, Funding: Security registered and confirmed by the registry before the loan is funded.
  6. CollectEye, Priorities: An AI agent works through each collector's most urgent customers and proposes the next step on each.
  7. CollectEye, Contact: Messages go out only after your contact rules are checked by fixed code.
  8. CollectEye, Repayment: Promises, payment plans and settlements, agreed within the limits you set.
  9. CollectEye, Record: Every proposal, check and action on the case, kept on record.

flipprr builds agentic software for banks, NBFCs and lenders: Galileo for loan origination and CollectEye for collections.

In both, AI agents read the records and recommend. Fixed rules hold the limits you set, and every recommendation is kept on record.

GalileoCollectEyeContact us
Products

Origination and collections.

Loan origination

Galileo

Galileo is an agentic loan origination system for banks, NBFCs and lenders.

From the first enquiry to the loan being funded.

See Galileo
Collections

CollectEye

CollectEye is an agentic collections system for banks, NBFCs and lenders.

From the first missed payment until the case is closed.

See CollectEye
Galileo · How it works

Three steps on every application.

01

Reads

Galileo reads the application and its documents: identity, payslips, bank statements, accounts, invoices and valuations. It also reads the passages of your credit policy that are closest to the application.

02

Reasons

Specialist AI agents weigh the evidence, your rules and your scorecards, and reason to a recommendation. Every claim must cite evidence. A claim with no evidence is rejected.

03

Refers

The recommendation goes to a person with the right authority, who signs. Guardrails send a file to a person. That person can set the AI aside and decide the file themselves.

Design products

You design your loan products.

Set the terms, eligibility, pricing, fees, documents, application form, workflow, rules and scorecards yourself. Or describe the product in plain words and the design assistant drafts it.

  • The assistant asks only what it cannot work out from your words.
  • Every change is a new version.
  • A second person approves each version before it serves applications.
How products are designed
Galileo · Describe a new product
The design assistant. On the left, a lender describes a personal loan for salaried people in plain words, and the assistant restates the product and asks one question it cannot work out. On the right, a panel titled The product so far lists each answer with the words it came from.
Describe the product in plain words. The assistant drafts it and asks only what it cannot work out.Full size: Describe a new product screenshot
Policy and rules

Your credit policy, read on every application.

Your credit policy is loaded into a policy library and split into passages. Each underwriting run is given the passages closest to the application.

  • Search the library with a question and see the passage that applies.
  • Each rule states its reason in plain words.
  • Each rule cites the policy section it follows.
How policy and rules work
Galileo · Policy library
The policy library. A search for 'What if the applicant changed employer recently?' returns passages of the lender's consumer lending credit policy, led by the section on income and its evidence, each with its section heading and a link to open the policy.
Your credit policy, split into passages the agents search. A question returns the passage that applies.Full size: Policy library screenshot
Agents and evidence

Agents reason from the evidence in the file.

Specialist AI agents read the application, its documents, your policy and your rules, and reason to a recommendation. The reasons name the policy rules they rest on.

  • Every claim must cite evidence.
  • A claim with no evidence is rejected.
  • Rules and scorecards are inputs the agents weigh.
How the agents reason
Galileo · AI decision
The AI decision on an application: refer to a person, with a confidence figure, the deliberation time, and five agent reports out of five. A panel explains that the decision is a recommendation, not an outcome, and gives the reasons, naming two of the lender's policy rules on affordability and share of income going to credit.
The recommendation, with the agents' reports and reasons that cite your policy rules by name.Full size: AI decision screenshot
People decide

The agents recommend. A person signs.

Guardrails send a file to a person. A person with the right authority signs the decision, within approval limits you set by product and amount.

  • The decision card shows what the agents recommend and why.
  • The person signing can set the AI aside and decide the file themselves.
  • Each signature is recorded on the decision.
How people decide
Galileo · Application
An application's progress through six stages: intake and underwriting complete, decision current, then offer and closing, funding, and ended. The decision card reads: Agents recommend, referred to a person. Not final, a person signs. The next action is to sign the credit decision.
An application's stages, and the decision card: the agents recommend, a person signs.Full size: Application screenshot
Every decision on record

Every decision can be replayed step by step.

Each decision is recorded with its evidence, reasons, policy version and signatures. The agents' recorded reasoning can be played back step by step.

  • A full audit trail for every application.
  • The policy version in force is recorded with the decision.
  • The record can be downloaded.
What is recorded
Galileo · Decision replay
The decision replay for an application referred to a person, with 75 recorded reasoning steps. Five agents are shown with their roles: Detective verifies who the applicant is, Analyst reads the money, Judge makes the credit call, Supervisor checks the others against the evidence, and Regulator tests the file against policy. Below, a transcript plays back each observation with the evidence it cites.
The agents' recorded reasoning, played back step by step from the run itself.Full size: Decision replay screenshot
Galileo · Loan products

Loans to businesses, individuals and groups.

Each product is set up with its own terms, documents, rules and workflow. Security can be any asset you define, with its own valuation.

For businesses

  • Term loans
  • Working capital and revolving credit
  • Equipment and vehicle loans
  • Commercial property loans
  • Invoice finance
  • Trade finance

For individuals

  • Personal loans
  • Car and two-wheeler loans
  • Home loans
  • Loans against property
  • Gold loans
  • Consumer durable and point-of-sale finance
  • Hire purchase and leasing

Group lending

  • Microfinance and joint-liability group loans
  • Loans to several borrowers
See every loan product
Galileo · Principles

How a recommendation is reached.

No opinion without evidence

An agent may not state a score, rating or verdict that no evidence supports. A claim with no evidence is rejected.

Rules are inputs

Rules and scorecards are inputs the agents weigh. A rule never approves or declines an application on its own.

A person signs

The agents recommend. A person with the right authority signs, and can set the AI aside and decide the file themselves.

Every figure with its parts

Every figure is shown with the parts it was calculated from, so anyone reviewing the file can check it.

Where Galileo stops

Galileo covers origination, from the first enquiry to the loan being funded.

Your loan management system runs the loan after funding. Galileo reads loan data back from it to monitor covenants and to inform new applications from the same borrower.

CollectEye · How it works

Three steps on every case.

01

Prepares

An AI agent works through each collector's most urgent customers. It reads the accounts, payment history, messages and past promises, and proposes the next step on each case, with its reason and the facts behind it.

02

Checks

Before any message goes out, fixed code checks your contact rules: contact hours, daily and weekly limits, consent, opt-outs, do-not-call requests and open disputes. The AI cannot change this check.

03

Approves

A collector or supervisor approves the message, the promise or the plan. By default nothing is sent without a person. Every proposal, check and action is recorded on the case.

CollectEye · Today
Prepare my day: what the AI found and prepared for each customer, beside the policy check.Illustration with sample data
The collector's day

Each collector's day, prepared.

An AI agent works through the collector's most urgent customers and proposes what to do on each, with the reason. The collector reviews the proposals and starts working.

  • The priority list is ordered by fixed rules: days overdue, risk, amount and the chance of payment.
  • The AI adds a short reason for each position. Figures in it come from the records.
  • AI results are marked AI. Results from fixed rules are marked Rules.
How the day is prepared
Messages

Messages checked before they go out.

Text messages, WhatsApp and email are written from your approved templates. A collector can ask the AI to check the wording of a draft and suggest safer wording.

  • Fixed wording rules run on every message. A threat of arrest or police blocks it.
  • Your contact rules are checked by fixed code on every message.
  • Replies that ask to stop, dispute the debt or complain pause the case for a person.
How messages are checked
Repayment

Promises, payment plans and settlements.

Collectors record promises to pay and offer payment plans and settlements within the limits you set. A customer in financial difficulty is handled as a case of its own.

  • The longest plan and the lowest settlement share are enforced in code.
  • Offers beyond your limits go to a supervisor for approval.
  • Agreed plans pass to your systems by API, file or webhook. CollectEye never takes money.
How repayment is agreed
Self-service

Customers can sort it out themselves.

A customer receives a secure link, confirms who they are with a detail you hold, and sees what is overdue.

  • Choose a payment plan from the options your policy allows.
  • Accept or decline an offer, or report financial difficulty.
  • Pay on your own payment page.
What customers can do
Strategy

A collection strategy you set and test.

Managers decide how each account is worked: its customer group, the contact plan for each arrears stage, the offers allowed and the team that works it.

  • Try a change against today's accounts before it goes live.
  • Test a challenger plan on a share of a group.
  • A second manager approves every version.
How the strategy works
Oversight

Every case on record.

Every proposal, policy check, message and decision is recorded. Supervisors see the whole book and the work of each collector.

  • Every sent message is reviewed afterwards for threats, pressure and disclosure to third parties.
  • An evidence pack for any case, in one click.
  • Team briefings whose recommendations open as actions.
What is recorded
CollectEye · Principles

AI proposes. Your rules are enforced. A person approves.

AI proposes

AI agents read the records and propose: the next step on a case, the reason for a position on the list, safer wording. Sending is decided by your rules and your people.

Rules are fixed code

Contact hours, limits, consent, opt-outs, disputes and holds are checked by fixed code on every message. The AI cannot change the check.

A person approves

By default a person approves every message before it is sent. Offers beyond your limits go to a supervisor.

Labelled and recorded

Every result is marked AI or Rules. Every proposal, check and action is recorded on the case.

Where CollectEye sits

CollectEye covers collections, from the first missed payment until the case is closed.

Your core banking or loan management system stays the record of the loan and collects the money. CollectEye reads accounts and payments from it, and sends agreed plans and settlements back as instructions.

Pricing

Two fixed prices. No charge per user.

How pricing works

Implementation

A fixed price, agreed in writing after a scoping session, before work starts.

The price does not change for the agreed scope.

Subscription

A fixed monthly fee for the term of the contract.

No charges per user, per seat, per licence or per application processed.

Contact

Talk to us about your lending.

Tell us the loans you offer, how you collect today and the systems you use. We will take you through Galileo or CollectEye with your lending in mind.

Contact ushelp@flipprr.com