Platforms for the next era
of financial services
One middleware. Four proven use cases. Bank-grade by design — AI-native by intent.
Bank Grade Platform
MiFiX.ai
You describe the requirement
MiFiX.ai converts it into a live product
Banking on MiFiX
MiFiX Eco-System — one platform connecting banks to ten product lines.
MiFiX has proven efficiency gains in excess of 500%.
Microfinance on MiFiX
Loans in under 30 minutes. Not 5–7 days.
MiFiX simplifies Microfinance by securely orchestrating multiple Business Correspondents, Delivery Partners and external systems (UIDAI e-KYC, Credit Bureau) — collapsing sourcing, credit check, account opening and sanctioning into a single low-touch flow.
- Banks
- NBFCs
- Microfinance Cos
- Customers
- BC Partners
- Delivery Partners
- UIDAI e-KYC
- Credit Bureau
Average time to deliver a loan: <30 mins on MiFiX vs. 5–7 days conventional.
- Customer sourcing & onboarding
- UIDAI e-KYC
- Credit Bureau check
- Account opening
- Sanctioning
- Disbursal
- Automated Maker–Checker–Recon–Audit
- Multi-BC secure orchestration
Agri (KCC) on MiFiX
KCC loans on digitised land records — 5 minutes.
MiFiX digitises the full agri-credit lifecycle by connecting Banks and NBFCs with farmers, government registries and field channels. The Federal Bank pilot, supported by the Reserve Bank Innovation Hub, runs end-to-end Kisan Credit Card sanctioning on TNeGA digital land records.
- Banks
- NBFCs
- Other FIs
- Farmers
- Govt. Land Registries (TNeGA)
- Central / State Nodal Agencies
- Farmer Organisations & FIGs
- Business Correspondents
- Field Officers & Branches
5 minutes on MiFiX vs. 4 weeks → 10 days → 3 months in conventional channels.
- Customer onboarding (eKYC)
- Land record verification (TNeGA)
- Scale of Finance — eligible loan amount
- Credit underwriting (CB check + Business Rule Engine)
- Loan documentation, agreement & eSign
- Auto loan approval & disbursal
FAR on MiFiX
Finance Against Remittances — featured in an OECD White Paper.
A win-win Innovation allowing banks to serve the financial needs of 250 million migrant workers.
FAR (Finance Against Remittances) unlocks credit, savings and account products for 250+ million migrant workers and their dependents across 200+ corridors of the world-topping $135 Bn+ Indian remittance market. A globally recognised, blockchain-enabled win-win-win for migrants, MTOs and banks.
- Host-country Remitters
- Money Transfer Operators
- Banks · Payment Cos · TELCOs
- Home-country Beneficiaries
- Banks
- NBFCs
- Business Correspondents
- Payment Networks
Featured in OECD White Paper on the development potential of remittances using blockchain technology.
- X-Border KYC
- X-Border data sync
- Underwriting
- Documentation
- Account opening
- Remittances
- Reconciliation
- Reporting · Billing · Settlement
Co-Lending on MiFiX
A single version of the truth — for Co-Lending and Direct Assignment.
MiFiX dissolves the Excel-driven, semi-digital, 1-to-1-integrated reality of Co-Lending and Direct Assignment with a 3-node architecture (Bank Node · Processing Node · NBFC Node) running on a permissioned blockchain — replacing reconciliation, middle-office overhead and IT-security concerns with trust-based, real-time data.
- Banks
- NBFCs
- MFIs
- Bank Node
- Processing Node
- NBFC Node
- Credit Bureau
- UIDAI e-KYC
- 3rd Party Services
Single Version of the Truth · No system dependency · Regulatory compliant · Real-time data with NPA tagging.
- Portfolio trigger & automated data flow
- Loan servicing & automated reconciliation
- Portfolio split & appropriation logic
- Unified accounting across nodes
- eSign / eStamp
- Real-time NPA tagging, reports & dashboards