See every loan behind every SIM card before you pay out.
One borrower, five SIM cards, five digital loans. Vistroy links each phone number to its Ghana Card, so you see what a borrower already owes at other lenders, with their permission, in seconds.
Digital lenders can't see each other.
A borrower who defaults on one number can borrow again on another. Each lender sees a clean file, and the losses add up.
Many SIMs, one person
A Ghana Card can sit behind several numbers on MTN, Telecel and AT. Most lenders only check the number in front of them.
Loan stacking
A borrower can take loans from several apps in the same week, before any of them is reported anywhere.
Guessing affordability
Without real income data, lenders guess what a borrower can repay, or say no to good borrowers with thin files.
Four steps, built into your normal loan flow.
Borrower agrees
They read you an SMS code, or approve your request on their own phone by USSD or WhatsApp.
Check before payout
Every SIM linked to the Ghana Card, open loans and defaults at other lenders, recent applications and shared devices.
Read the MoMo statement
Upload a statement and Vistroy works out real monthly income, gambling, loans from other apps, and a safe repayment.
Report and learn
Report each loan and keep its status up to date. Your pilot report shows how often Vistroy's warnings were right.
Borrowers stay in control from a basic phone.
The same menu works on USSD for feature phones and on WhatsApp for smartphones. Borrowers confirm who they are with the last 4 numbers of their Ghana Card.
- Approve or decline a lender's request: the lender's screen updates by itself.
- See their score, their loans and who checked their file.
- Withdraw a lender's permission at any time.
- Report a mistake, with an answer due within 30 days.
- On a smartphone, install My Credit File like an app, straight from the browser.
- See every reminder, repayment permission and record a lender creates.
Everything a lending team needs for a pilot.
Staff logins with roles
Loan officers, managers and admins each see only what they need. Every action is logged with a name.
Loan book upload
Upload your existing loans as a CSV file on day one, so checks are useful from the first borrower.
Repayment plans and reminders
Set up instalment plans for late borrowers, with SMS reminders before each due date.
Pilot results report
Compares default rates on loans Vistroy warned about against all other loans, ready to print.
Disputes handled for you
Borrowers challenge wrong records directly, with a 30-day deadline and a full history of each case.
Simple API
Connect your loan app with one API key. The developer guide has copy-paste examples.
Fair overdue reminders
One press sends a polite SMS to the borrower's own numbers only. Never to family or contacts, at most every 3 days, in line with Bank of Ghana rules.
Repayment permissions
Record the MoMo auto-debit, direct debit or payroll deduction the borrower signed, for one named account. The borrower sees it too.
Court evidence pack
Download a loan's full record as a PDF for your lawyer, with a fingerprint Vistroy can confirm if a court asks.
Built around the borrower's permission.
Ghana's Data Protection Act, 2012 (Act 843) gives borrowers rights over their data. Vistroy builds those rights into the product, not into a policy document nobody reads.
Consent per lender
One lender, one purpose and a time limit. Borrowers can withdraw permission at any time.
Data rights
Borrowers can download their file and ask for corrections, deletion, or for us to stop using their data.
Full audit trail
Borrowers see every check on their file. Lenders see which staff member did what.
Registration
Data Protection Commission registration in progress.
Test Vistroy on your own loan book.
Sign up, upload your loans, and run checks on new applicants. After the pilot, your report shows how many defaults Vistroy would have warned you about.