5690
ms
Average Loan Decision Time
AI Lending Intelligence —
Fast. Compliant. Explainable.
Kubrainn fuses structured analytics with reasoning intelligence to power next-generation NBFC operations.
Why Kubrainn
- Milliseconds-level risk computation
- Dual capability orchestration
- Explainable JSON with compliance logs
- RBI + DPDP-aligned data handling
92
%
Fraud Detection Rate
35
%
NPA Reduction (12 months)
68
%
Collection Recovery Rate
45
%
Operational Cost Reduction
100
%
RBI Compliance Score
System Architecture
flowchart LR
A[User Input]-->B(Adaptive Router)
B-->|Structured|C[Structured Engine]
B-->|Reasoning|D[Reasoning Engine]
B-->|Vision|E[Vision Engine]
B-->|Economy|F[Economy Engine]
B-->|Long Context|G[Long-Context Engine]
C-->H[Merging Logic]
D-->H
E-->H
F-->H
G-->H
H-->I[Explainable Output]
I-->J[UI Cards & Analytics]
B-->K[(Telemetry + Self-Learning)]
Proprietary Engines
Structured
Deterministic schema-based analysis
Reasoning
Contextual & empathetic inference
Vision
Visual & document understanding
Economy
Cost-optimized batch tasks
Long-Context
Extended reasoning (200K tokens)
Five Intelligence Modules
RiskCore
Dual EngineReal-time risk profiling and underwriting using 7-domain AI models.
NBFC Benefits
- Instant approvals with explainable logic
- Conservative merges minimize default risk
- Seamless integration with credit bureaus
User Benefits
- Instant eligibility feedback
- Transparent reasoning for decisions
IDShield
Reasoning + VisionFraud and identity sentinel protecting NBFC ecosystems.
NBFC Benefits
- Detects synthetic and duplicate identities
- Blocks high-risk devices via fingerprinting
User Benefits
- Secure and simple onboarding
- Prevents misuse of credentials
Collective
ReasoningAI-driven collections advisor producing empathetic, RBI-compliant outreach flows.
NBFC Benefits
- Ethical recovery automation
- Improved repayment consistency
User Benefits
- Personalized payment options
- Respectful reminder communications
WellnessIQ
EconomyBorrower financial wellness analytics and personalized improvement plans.
NBFC Benefits
- Lowers delinquency through financial literacy
- Improves borrower retention
User Benefits
- Personalized budgeting tips
- Improved credit profile awareness
Regulens
Structured + Long-ContextReal-time regulatory and portfolio analytics with compliance warnings.
NBFC Benefits
- Instant CRAR, ALM, and NPA visibility
- Early risk alerts and audit-ready outputs
User Benefits
- Assurance of regulated transparency
- Trust in compliant NBFC ecosystem
Mutual Advantages
For NBFCs
- Accelerate credit decisions securely
- Reduce fraud losses
- Automate ethical recovery
- Stay perpetually audit-ready
For Borrowers
- Transparent loan terms
- Personalized financial guidance
- Privacy-first consent control
- Respectful communication
Interactive Diagrams
Explore how Kubrainn routes intelligence and merges results
Adaptive Routing Flow
flowchart LR
A[User Inputs
KYC, Bank, Bureau, Device]-->B(Adaptive Router) B-->|Structured|C[Structured Engine] B-->|Reasoning|D[Reasoning Engine] B-->|Vision|E[Vision Engine] B-->|Economy|F[Economy Engine] B-->|Long Context|G[Long-Context Engine] C-->H[Merging Logic] D-->H E-->H F-->H G-->H H-->I[Explainable Output JSON] I-->J[UI Cards & Charts] B-->K[(Telemetry + Self-Learning)]
KYC, Bank, Bureau, Device]-->B(Adaptive Router) B-->|Structured|C[Structured Engine] B-->|Reasoning|D[Reasoning Engine] B-->|Vision|E[Vision Engine] B-->|Economy|F[Economy Engine] B-->|Long Context|G[Long-Context Engine] C-->H[Merging Logic] D-->H E-->H F-->H G-->H H-->I[Explainable Output JSON] I-->J[UI Cards & Charts] B-->K[(Telemetry + Self-Learning)]
Underwriting Journey (RiskCore)
Conservative merge = min(score), worse(band), union(reasons)
sequenceDiagram
participant App as Kubrainn UI
participant API as AI Gateway
participant Router as Adaptive Router
participant SE as Structured Engine
participant RE as Reasoning Engine
participant Merge as Merge
App->>API: Submit risk_profiling payload
API->>Router: Route decision
Router->>SE: Call if schema heavy
Router->>RE: Call if sensitivity high
SE-->>Merge: JSON A
RE-->>Merge: JSON B
Merge-->>API: Conservative fused JSON
API-->>App: RiskCore result + explainability
Fraud Signal Graph (IDShield)
Interactive, pannable network of signals → risks → actions
Collections Funnel (Collective)
Empathy-first. Always RBI Fair Practices-aligned.
flowchart TB
subgraph Stage1[Stage 1]
A[Day 1–3: Gentle Reminders]
end
subgraph Stage2[Stage 2]
B[WhatsApp + SMS Script]
end
subgraph Stage3[Stage 3]
C[PTP Plan + Flexible Date]
end
subgraph Stage4[Stage 4]
D[Restructure Check]
end
subgraph Stage5[Stage 5]
E[Escalation Policy]
end
A-->B-->C-->D-->E
Basic Services Demo
Run MOCK or LIVE requests to the Kubrainn engines. Live mode uses keys from your .env (never displayed).
Decision-support only — human-in-the-loop is required
DPDP: consented, purpose-limited data use
RBI Fair Practices: transparent, non-coercive outreach
Input Payload (Edit as needed)
Output Result
Click "Run Demo" to execute...
Telemetry
Latency
—
Strategy
—
Engines Used
—
JSON Valid
—
Cost Est.
—
Interactive AI Router Simulator
Select task constraints to see which engine or combination activates automatically.
Selected Strategy
Auto
Active Engines
Structured
Rationale
Default configuration for balanced performance.
Compliance & Governance
DPDP Act 2023
Consent, purpose limitation, minimal collection
RBI Fair Practices
Transparent, non-coercive operations
Audit Logs
Every AI inference is logged and traceable
Data Encryption
In transit and at rest, PII masking applied
Frequently Asked Questions
How does Kubrainn ensure compliance?
Each decision is logged with consent metadata, PII masking, and human-review checkpoints.
Can NBFCs customize models?
Yes, via modular engine APIs and fine-tuning on internal data.
Is user data secure?
All personally identifiable data is encrypted, anonymized, and processed only with explicit consent.
What engines power the dual-intelligence system?
Kubrainn orchestrates five proprietary capability engines: Structured (deterministic), Reasoning (contextual), Vision (multimodal), Economy (cost-optimized), and Long-Context (extended reasoning up to 200K tokens).
How fast are risk assessments?
Average decision time is under 2 seconds, with JSON validity exceeding 99.5% across all engine combinations.