Tool · Onboarding
From first click to pre-approved, with every check done right.
Design your own application flow, run identity, list and fraud checks inside it, and show pre-approved offers along the way. Applicants can stop and pick up where they left off, on any channel, and your team can ask them to fix a document without starting over. Connect your CRM, your signature provider or any internal tool.
Why it matters
Every extra step loses customers.
Long, generic forms make good applicants give up halfway.
An applicant who stops is lost.
There's no way back to where they were, and fixing a document means starting over or chasing them by email.
Your tools don't talk to each other.
Prospects get typed into the CRM by hand, and signatures and codes live in separate systems.
What it does
Design your flow
Build the application in as many steps and stages as you need, choose the fields and documents for each product, and put your brand on it. Change it whenever you want, without code.
Steps
Stage 1 · Apply
01Personal details⋮⋮02Income⋮⋮Stage 2 · Verify
03Documents⋮⋮04Identity⋮⋮Stage 3 · Sign
05Contract⋮⋮+ Add step or stageStep 2 · Income5 fields
Your brand
Each product can have its own stages, steps, fields and documents. Progress is saved at the end of each stage. Changes go live without code.
ID documentPassed
Checked against official sources
Name and number match the application
Document is valid
Liveness testPassed
A real person, on camera
Not a photo, screen or mask
Face matchPassed
Selfie matches the ID photo
Same person who started the application
APP-3107 · Ana M.Identity verified 10:41:12Kept with the application
Lists checkedClear
Record LST-55102 · checked 10:41:07
Lists, results and time kept for audit
Fraud riskScored in real time
12Low risk
DeviceNot linked to other applications
Mobile numberActive for 4 years
Pace of the applicationNormal
LocationMatches the address
Pre-approval rule · Personal loanLive
AFTER step 2 · Income
IF credit bureau score ≥ 650
AND monthly income ≥ $3,000,000
THEN offer up to 5 × income, max $8,000,000
This monthPersonal loan
The offer is shown inside the flow, under your brand, and the final decision still comes from your decision engine.
APP-3107 · Ana M.Saved
Across channelsSame application
Ask for a correction · APP-3107Draft
What the applicant getsNotification
Opens straight at the documents step
Personal details, kept
Income, kept
ID and selfie, kept
TodayAPP-3107
How it works
Analytics shows where applicants slow down or drop off, step by step.
See analyticsAI in this tool
Documents and faces, verified. AI checks ID documents and matches faces during the biometric step.
Fraud spotted early. Fraud models score the risk of each application as it happens.
Help while applying. An assistant answers the most common questions during the application, on the website and on WhatsApp.
Use it with Cowally, or on its own.
Use it from the back office, connected to every other part.
Your developers plug it into your own product.
See API By MCPYour people and AI agents reach it, with roles and rules.
See MCPQuestions about onboarding
Yes. You choose the steps, stages, fields and documents for each product, and change them without code.
Yes. Their progress is saved stage by stage, and they can continue on any channel.
Yes. They get a notification and a link back to that step, without starting over.
Yes, and to any other provider or internal system, through ready-made connections or the API.
Identity against official sources, liveness and face match, anti-money-laundering and politically exposed person lists, and real-time fraud scoring.
Identity sources in Colombia are already connected; in other countries, we connect the local sources during implementation.
Yes. Finished applications can go to your own systems through the API.
See your application, end to end
In one session we'll build an application like yours, with a pre-approved offer and a correction, and connect it to a tool you use.