The challenge
Loan and account onboarding at Payra required document checks, identity verification, risk scoring and compliance review across multiple disconnected systems. Each step was manual, each handoff was slow, and the entire process was nearly impossible to audit.
Analysts spent most of their time coordinating between systems rather than making decisions. When regulators asked for audit trails, the team had to reconstruct them by hand from emails and spreadsheets.
What we built
A coordinated agent system with four specialized agents — document, KYC/AML, credit-risk and compliance — managed by a supervisor agent that orchestrates the workflow, detects failures and routes exceptions. Each agent operates in its domain; the supervisor holds the state and timeline.
Every decision is logged with the data and rule that produced it. Human analysts sign off on final approvals through a lightweight approval UI — they see the full recommendation and evidence, not raw data to interpret from scratch.
The result
- Time-to-decision cut by 60% across loan and account onboarding.
- Analyst capacity up 2–3× without adding headcount.
- Complete audit trail per file — every decision, every rule, every agent.
- Human analysts focused on decisions, not coordination.