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Bolehlah
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AI credit intelligence · ASEAN · v4.2.1

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Ask Bolehlah's AI about loan products, how we underwrite, what lenders deploy, or how to invest. Create an account to unlock everything.

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Bolehlah AI

Online · answers from our public knowledge base

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Hi — I'm the Bolehlah AI. Ask me about loan products, how our AI underwrites, or how lenders & investors work with us. To build a real profile, you'll need to create an account.

Bolehlah's public AI answers general questions only. It does not issue credit decisions, hold funds, or guarantee outcomes. Licensed institutions make all lending decisions.

3-second decisions · 35% measured default reduction · deployed by regulated institutions across ASEAN-5

Live 12,487 decisions today p50 142ms p99 412ms Uptime 99.97% 3 lenders · ap-southeast-1

Deployed by licensed moneylenders across ASEAN-5

Updated live · auto-reflects new onboardings

Live
P

Persada Credit

 Live
O

Orchid Capital

 Live
A

Amanah Finance

 Pilot
B

BSMart Lending

 Pilot
D

Danamitra

 LoI
V

VietFinance

Lender onboarding is managed through the staff backend. Every new production, pilot, or LoI lender appears here as soon as the deployment status is flipped.

Replaced our entire scorecard in 6 weeks. Default rate dropped 35% on the first cohort, approval volume up 12% at iso-risk. We used to spend two days on an application; Bolehlah does it in three seconds with a better answer.

NH

Nurul Amira binti Hassan

Head of Compliance · Persada Credit

As covered in

  • THE EDGEMY · Apr 2026
  • NIKKEI ASIAMar 2026
  • TECHINASIAFeb 2026
  • DEALSTREETASIAJan 2026

Press kit · press@bolehlah.ai

How it works

From sign-in to disbursed,
in minutes.

Five steps, start to finish. Every step is AI-assisted; none of them asks you to fill a PDF.

Step 1

Sign in

Google · Apple · Facebook · MyDigital ID

One tap. NRIC auto-verifies when you use MyDigital ID.

Step 2

Verify

SMS OTP · email · KWSP · bank · selfie

Connectors fill your profile for you. No paperwork.

Step 3

Chat to apply

Aisha asks, you answer

Amount, tenure, purpose — in conversation, not a form.

Step 4

AI decides

3-second verdict + 5-factor breakdown

Approve / review / decline with a regulator-readable explanation.

Step 5

Disbursed

DuitNow · next business day

Receive funds · schedule · PDF statement — all signed to blockchain.

Median total time · 8 minutes 42 seconds from sign-in to disbursed funds.

The platform

Same AI, four surfaces.
One backbone.

01

Credit decision engine

Inference in milliseconds. Approve / review / decline with structured explanation.

02

Borrower intake

Conversational intake across web, native, WhatsApp. Scoring during the form, not after.

03

Risk intelligence

Per-cohort default forecasts, stress tests, and early-warning alerts on the lender's book.

04

Compliance & audit

Hyperledger-anchored decision log. KPKT · OJK · BSP · SBV · BoT export-ready.

For borrowers

Rates from 4.49% p.a.
Decisions in 3 seconds.

Most Malaysians get rejected by banks without knowing why. Bolehlah reads the same data banks do — EPF, CCRIS, CTOS, your bank statement — and tells you what the AI sees, in plain English.

  • ✓ Personal loans RM 500 – RM 100,000 · tenure 12–84 months
  • ✓ Multiple lenders, one application · compare offers side-by-side
  • ✓ No early-settlement penalty · flat rate across all deployed lenders
  • ✓ You see what the AI sees · every decline comes with a reason and what to fix
  • ✓ Your data stays yours · PDPA 2010, disconnect any connector anytime
Try the borrower portal Or chat on WhatsApp

Approval rate

71%

At Bolehlah-powered lenders, vs. 54% at traditional banks (BNM 2025 industry data).

Median decision time

3s

Not including biometric verification or document capture. Same-day disbursement on approvals.

Avg. rate saved

−1.8%

p.a. vs. the typical Malaysian personal loan — thanks to real-time risk-based pricing.

Explainability

100%

Every approval + every decline returns the 5-factor breakdown. No black-box rejections.

For investors

AI-native vertical SaaS.
Not consumer fintech.

10-18× revenue multiple category. Targeting Nasdaq Global Select. SAM of US$3B+ across ASEAN-5, addressing US$180B+ in annual loan originations.

Gross margin

75%+

NRR target

110%+

SAM

US$3B+

Originations

US$180B+

Peer TEV / NTM-Rev

As of 18 Apr 2026

Upstart
14.8×
nCino
12.1×
MeridianLink
11.3×
Pagaya
9.4×
Blend
8.6×
Bolehlah
~11×

Bloomberg TEV/NTM-Rev as of 18 Apr 2026. Bolehlah positioned at the peer median.

For developers

Proprietary AI
over a simple API.

Three endpoints, one inference core. Sandbox access in under 48 hours for deployed institutions and credentialed research teams. 

POST https://api.bolehlah.ai/v1/decisions
POST https://api.bolehlah.ai/v1/scoring
POST https://api.bolehlah.ai/v1/inference

// response (truncated)
{
  "decision": "approve",
  "score": 78,
  "probability_default": 0.042,
  "inference_latency_ms": 138,
  "model_version": "v4.2.1"
}
p50 142ms p99 412ms Uptime 99.97% Region ap-southeast-1 Full developer brief →

Security & compliance

Bank-grade on every axis.
Audit-ready out of the box.

Hyperledger Besu audit trail

Every AI decision is hashed on-chain with a 7-year retention policy. Regulators can verify without ever touching personal data.

End-to-end encryption

TLS 1.3 in flight, AES-256 at rest. Identity hashed with Argon2id. Key separation per deployed lender — no cross-tenant data bleed.

PDPA 2010 compliant

Members can view, export, and delete their data at any time. Consent is explicit per connector and revocable in one tap.

Regulator-ready exports & certifications

KPKT · Malaysia BNM · Bank Negara Malaysia OJK · Indonesia BSP · Philippines SBV · Vietnam BoT · Thailand MD Status · MDEC-verified · MD/0002829 ISO 27001 · Info-sec · In audit ISO 9001 · Quality · In audit ISO 14001 · Environment · 2026 target SOC 2 Type II · In audit

Every decision record can be exported as a regulator-formatted JSON or a signed PDF within 24 hours. Bolehlah is operated by Lunar Flame Sdn Bhd — a Malaysia Digital (MD) Status verified company under MDEC. We're the technology provider; all credit decisions remain with the licensed lender.

FAQ

Questions we hear the most.

Is Bolehlah a lender?

No. Bolehlah is the AI credit-intelligence platform that licensed moneylenders deploy. Every loan you receive is issued by a licensed institution (Persada Credit, Orchid Capital, Amanah Finance, etc.) under their own KPKT licence. We don't hold funds, don't issue credit, don't guarantee outcomes.

How does the AI decide?

A weighted five-factor score: DSR headroom (40%), credit-bureau data (30%), employment tenure (15%), Angkasa deduction capacity (10%), and payment history (5%). Every approve / review / decline comes with this exact breakdown — regulators and borrowers see the same explanation. Under the hood: a gradient-boosted ensemble with a transformer cohort encoder, trained on 4.2M anonymised ASEAN-5 loan outcomes (2018–2026).

Do I need to upload documents?

Usually not. EPF (KWSP) cross-checks your income and tenure direct from source. For employment proof, HRMIS (civil servants) or a one-page employment letter is enough — snap a photo and our AI OCR extracts the fields in about 20 seconds. Your MyKad + a liveness selfie close the identity loop.

What data does Bolehlah store?

Only what's needed for decisioning and the audit trail. PDPA 2010 compliant — you can view, export, or delete your data at any time. Aggregated, anonymised outcome data is used to train the AI, under explicit consent in the standard customer agreement.

Which lenders can I apply to?

Currently three deployed in Malaysia (Persada Credit, Orchid Capital, Amanah Finance) plus pilots across Indonesia, Philippines, Vietnam, and Thailand. One application compares all offers side-by-side; you choose which lender to accept.

I'm a lender. How do I deploy Bolehlah?

Sandbox access in 48 hours. Full production deployment in 4–8 weeks, including core-banking integration, CCRIS/CTOS connectors, and your custom rate-card + underwriting policy. Email partnerships@bolehlah.ai.

Didn't find it? care@bolehlah.com — 4-hour reply during business hours.

About the company

Bolehlah is built by
Lunar Flame Sdn Bhd.

A Malaysia-headquartered digital company, Lunar Flame is the operator and data controller behind Bolehlah. We've chosen the heaviest credential load a company can carry in this space so lenders, regulators, and borrowers never have to wonder whether we're built to last.

MD Status · verified

Malaysia Digital (MD) Status

Awarded 30 Mar 2026 by MDEC (Malaysia Digital Economy Corporation). File ID MD/0002829 — the national credential for recognised Malaysian digital operators.

Standards in audit

ISO 27001 · 9001 · 14001

Info-sec, quality, and environmental management systems currently under certification. SOC 2 Type II in audit. All three ISO targets for 2026.

PDPA 2010 compliant

Lunar Flame is data controller

Registered with the Department of Personal Data Protection Malaysia. DPO reachable at dpo@lunarflame.my.

Malaysian entity

Lunar Flame Sdn Bhd

Reg. no. 202001005133 (1361453-X) · incorporated 13 Feb 2020 · office at Wisma Mont Kiara, Kuala Lumpur · Bolehlah™ is a trademark of Lunar Flame.

Timeline

  1. Feb 2020 · Incorporated

    Lunar Flame Sdn Bhd registered at SSM — Reg. no. 202001005133 (1361453-X), Malaysia.

  2. 2024 · Persada Credit pilot live

    First lender deployment on the Bolehlah AI platform.

  3. 2025 · ASEAN expansion

    Orchid Capital + Amanah Finance onboarded. Series B raise.

  4. 30 Mar 2026 · MD Status granted

    MDEC-verified digital company. File ID MD/0002829.

  5. 2026 · ISO + SOC 2 certification

    ISO 27001, 9001, 14001 and SOC 2 Type II audits complete.

  6. 2027 · Nasdaq listing path

    Revenue and governance milestones tracked against the Global Select listing criteria.

Live demos

Click around.
No sign-up required.

Every surface is a live preview. Explore how different audiences see the same AI backbone.

Primary

Borrower portal

Sign in as any of 5 demo borrowers. Chat, apply, compare lenders, export statements.

Launch

WA / Telegram

Same Aisha, same 5-factor explainability, inside a phone-frame chat bubble.

Launch

Mobile preview

Every surface rendered inside a 390×844 iPhone frame for investor walkthroughs.

Launch

Staff · NDA

Investor metrics

ARR, cohort defaults, deployment status. Passcode staff2026.

Launch

To go further,
create an account.

Sign-up takes under a minute. Our AI picks up the conversation on the other side with your real profile — no long forms.

Create my account Talk to partnerships

Licensed institutions · AI researchers · investors · journalists — partnerships@bolehlah.ai

Create account · it's free