Phase 1
LiveAI Customer Service
Borrowers, investors, and lender staff chat with B over Telegram, web, or iOS today — WhatsApp coming soon. One agent, three languages, every conversation auditable.
Products & pricing
Credit intelligence infrastructure, priced in tiers you can grow into.
Five product surfaces, five pricing tiers. Start by planting our AI agent into your existing loan system — talk to your own data within hours, no migration. Layer in origination, underwriting, and a back-office bundle as you scale.
Products by phase
What the platform does, surface by surface.
Phase 2
Coming soonAI Loan Application Journey
Guided origination flow: chat-first intake, eKYC orchestration (Innov8tif), document collection, AKAD-aware drafting, e-signature, hand-off to underwriter.
Phase 3
RoadmapAI Underwriting Copilot
Decision recommendations with confidence band, risk grade, policy citations, and cohort comparison. Your underwriter signs; B explains.
Phase 4
RoadmapAI Collections & Recovery
Nudge cadences, payment-promise tracking, hardship restructure proposals, NPL workout planning — all under your collections policy.
Phase 5
RoadmapPortfolio Intelligence
Lender-grade dashboards, regulator-ready audit packs, cohort risk dashboards, and the audit-chained data store underneath every other surface.
Reach B through whichever surface fits the moment: Telegram for quick check-ins (WhatsApp coming soon); the Bolehlah app (iOS, Android) or bolehlah.com for the full workflow — eKYC, statements, approvals, signatures, all by talking to B inside an encrypted environment.
Hyper-automation
The platform runs itself. You supervise.
Master B and the eight virtual-staff personas turn what used to be three full-time hires per lender — operations, compliance, collections — into a watched-over, audited, self-driving floor. Routine actions execute automatically within policy. Edge cases queue for a human. Every action is signed, reversible, and visible in the activity feed.
- Master B activity feed
- Every autonomous action is a row in the operator's dashboard. Click to see the policy that authorised it, the inputs it used, and the audit hash. Reverse with one click for anything reversible.
- Confidence-and-policy gate
- Each action class carries a typed policy: confidence floor, reversibility class, and the persona allowed to take it. Below the floor, the action queues for a human — never silently fires.
- Cautious autonomy · member-facing
- Decisioning, AKAD-related actions, restructures, disbursements — all gate to a human by default. Agents draft and prepare; humans approve. Trust is earned, not assumed.
- Default autonomous · internal ops
- Morning digests, BNM TRMG-A packets, info-noise anomaly suppression, BD follow-through, invoice cycles — all run without human kick-off. The activity feed shows what happened.
Every autonomous action is signed into the audit chain you see at the top of the operator dashboard — same hash-chain primitive that backs Shariah AKAD signatures. Hyper-automation here means hyper-accountability, not hidden behaviour.
Pricing tiers
Five additive tiers. Start small, grow into the rest.
Each tier includes everything below it. Annual billing comes with a 2-month discount. All prices in Malaysian Ringgit; tax extra where applicable.
Tier 1
Loan Management Foundation
Plant AI into your existing loan system. Start talking to your data.
RM 1,500/ month
or RM 15,000 annually
- AI agent plants into your existing DB (Neon, RDS, Cloud SQL, even a Google Sheet)
- Talk to your loan book via WhatsApp, Telegram, web, or iOS
- Read-only access to borrowers, applications, schedules, repayments
- Natural-language queries: DPD ratios, disbursements, borrower lookups
- Audit chain on every query (BNM-aligned trail)
- Zero migration cost — your existing system stays as the source of truth
Tier 2
+ AI Loan Application Journey
Add a guided origination flow to your platform.
RM 3,500/ month
or RM 35,000 annually
- Everything in Loan Management Foundation
- AI-guided loan application via WhatsApp / Telegram / web
- eKYC orchestration (Innov8tif EMAS) — MyKad + liveness + face-match
- AKAD-aware drafting (Shariah-compliant where required)
- Document collection with fraud-prevention filters (scan-only)
- Itemised cost disclosure + e-signature + per-loan consent capture
- Hand-off to your underwriter with full evidence pack
Most popular
Tier 3
+ AI Underwriting Copilot
Three AI staff covering the full loan lifecycle.
RM 6,500/ month
or RM 65,000 annually
- Everything in + AI Loan Application Journey
- Underwriting Copilot — decision recommendation with confidence + risk band
- Policy citation engine (cite the lender's own rulebook on every decision)
- Cohort comparison vs. anonymised peer pool
- Explainability output: what tipped the recommendation, what would flip it
- Foundation 3-person AI team — Management · Origination · Underwriting
Tier 4
+ Back-Office Bundle
A full back-office AI team. Engage one, or take them all.
RM 12,500/ month
or RM 125,000 annually
- Everything in + AI Underwriting Copilot
- Admin agent — calendar, inbox triage, document filing
- Legal agent — AKAD review, regulatory citation, dispute drafting
- Collections & Recovery agent — nudge cadence, restructure proposals
- HR agent — onboarding, leave, performance briefs
- Investor Relations agent — distribution notes, statement drafting
- Bundle price is less than 6× individual agent cost — see add-ons below
Enterprise
Tier 5
Enterprise
Run Bolehlah on your own infrastructure with our token.
Talk to BD
- Everything in + Back-Office Bundle
- Private deployment on your infrastructure (your VPC, your region)
- API-token model — pay per token consumed, no monthly seat fee
- Hardened security envelope: SOC 2 evidence pack, custom retention
- BNM-aligned audit trail tuned to your inspection cadence
- Dedicated solutions engineer + 24/7 on-call
- Custom integration into core banking, ESB, identity, CRM
Add-on agents
Specialist agents, à la carte.
Engage one specialist, or take the bundle. Each agent runs against the same audit chain as the rest of the platform.
Admin Agent
Calendar, inbox triage, document filing, meeting prep. Frees your manager from clerical drag.
RM 2,500/ month
Legal Agent
AKAD review, regulatory citation, dispute drafting, contract drafting against your template library.
RM 3,500/ month
Collections Agent
Nudge cadence orchestration, payment promise tracking, settlement scripts, escalation hand-off.
RM 3,000/ month
Recovery Agent
Hardship restructure proposals, NPL workout planning, legal-action prep, write-off justification.
RM 3,000/ month
HR Agent
Staff onboarding, leave management, performance briefs, training plan suggestions.
RM 2,000/ month
Investor Relations Agent
Monthly distribution notes, investor statements, cap-table briefs, regulatory disclosures.
RM 2,500/ month
Need all of them? Tier 4 (+ Back-Office Bundle) bundles every add-on for RM 12,500 / month — less than 6× individual cost (RM 16,500 stacked), saving roughly RM 4,000 per month.
Founding 50
Lifetime 50% off for the first 50 licensed lenders that sign on. Locks for the life of your contract, including any tier moves.