Credit Application Verification Agent
The Credit Application Verification Agent reads the payslips, bank statements and application for every deal, confirms income and expenses, and runs the affordability assessment the National Credit Act requires. It flags documents that look altered and, for vehicle finance, checks the deal price against the market value of the vehicle, so assessors only spend time on the applications that need judgement.
Ideal forCredit assessment teams
The difference
From 30-60 minutes per application to 3-5 minutes
Your credit team decides faster on clean deals and catches the risky ones before payout.
Done by hand
30-60 minutes per application
With the Vanine agent
3-5 minutes
Time returned to your team
90%
Indicative figures. We measure your own baseline in the first fortnight so the numbers you see are yours.
Faster answers for dealers and clients
Clean applications are verified in minutes, which wins deals when a dealer has sent the same client to three lenders.
Affordability you can defend
Every assessment follows the NCA regulations and keeps the workings, so a reckless lending complaint has a clear record behind it.
Less fraud reaching payout
Altered payslips, edited bank statements and inflated deal prices are flagged before the money leaves.
Capabilities
Every consumer application verified, assessed for affordability and checked for fraud, in minutes.
Built for credit assessors, underwriters and fraud teams at South African vehicle finance houses, microlenders and consumer credit providers.
Income verification
Reads payslips and bank statements, confirms salary deposits match the payslip and flags irregular or missing income.
Expense analysis
Categorises debit orders, existing credit and living expenses from three months of bank statements.
NCA affordability assessment
Calculates disposable income against the prescribed minimum expense norms and records the result in your format.
Document fraud detection
Flags edited PDFs, mismatched fonts and totals, reused documents and employers that cannot be verified.
Vehicle price check
Compares the deal price, extras and deposit with the market value of the vehicle, for vehicle finance.
Decision summary
Sets out the result, the risks and the conditions for each application, cited to the documents.
How it works
From your systems to a result you sign off
Your credit assessor approves or declines every application, and fraud flags go to your fraud team.
Connect the places your credit applications already live.
Applications, payslips and bank statements from your origination or dealer platform, bureau reports and vehicle valuation data. Already use something else? We connect that too.
- OpenAI Frontier
- Your own AI platform or models
- Microsoft 365
- Loan origination and dealer submission platforms
- Credit bureau data (TransUnion, Experian, XDS)
- Vehicle valuation guides and bank account verification services
Runs as soon as an application is submitted, using the models your organisation approves.
A verification and affordability report on the application, with flagged items routed to the right queue.
Step by step
- 01
An application arrives from a dealer, branch or online.
- 02
The agent reads the payslips, bank statements and application.
- 03
It verifies income and categorises expenses.
- 04
It runs the NCA affordability assessment.
- 05
It checks the documents for alteration and the vehicle price against market value.
- 06
Your assessor reviews the report and makes the credit decision.
Deployment
Runs inside the tools your team already uses
The same agent and the same cited output, delivered three ways: through the AI assistant you have rolled out, on a model you host yourself, or inside your own software.
In the frontier assistant you already pay for
We publish the agent as an MCP server. Add it as a connector and your team calls it from the chat they use every day, with no new tool to learn.
"Does the income on the payslips match the bank statements?"
- applicant
- N. Khumalo
- deal
- 2022 SUV, R412,000
On a model you host yourself
Run the agent on open-weight models in your data centre or private cloud. Your credit applications never leave your network, which keeps POPIA and data residency straightforward.
- Llama
- Mistral
- Ollama
- or any OpenAI-compatible endpoint
Inside your own software
Trigger a run from your own workflows, and push the finished output into your ERP, GRC or reporting systems. We build the integration with your team.
- REST API
- Webhooks
- Batch jobs
- Embeddable review panel
Governed the same way, every route
Whichever way your team reaches the agent, identity, permissions and audit stay with your existing controls.
- Single sign-on through Entra ID, Okta or Google Workspace
- Reads only the documents each user is already allowed to open
- Every tool call written to an audit log you can export
How we deliver it
One agent, three ways to hold it
Start where your team already works, then take it as far into your systems as the value justifies.
DATA SECURITY & PRIVACY
Your credit applications stay yours.
The agent runs inside your tenancy, reads only what each task needs, and never trains on your credit applications. Every step is logged so your auditors can see exactly what it touched.
Built for regulated work.
+YOUR CREDIT APPLICATIONS NEVER LEAVE YOUR ENVIRONMENT
More agents
More agents we build for South African enterprises
Each one is built on the same foundation: your documents, your rules, and your people signing off.
Precision AI for Institutional Workflows
