Income evidence for borrowers who have no payslip.
Daromad turns the documents a self-employed or family-business borrower actually has — card and wallet statements, fiscal receipts, the Soliq self-employed certificate — into a regulator-compliant 12-month income figure, a debt-burden ratio (DBR) with every clause cited, an integrity report and a credit memo in which every number traces to its source — the statement lines behind it, a regulation clause, or the model — and nothing is invented.
Why
The CBU debt-burden regulation lists what counts as income evidence. For a self-employed borrower, only one item on that list exists: income credited to bank accounts. Reading twelve months of statements by hand takes an officer an hour or more per application. MKBANK targets ~140,000 micro-projects in 2026.
What
Seven components: document parsing and OCR → transaction categoriser → cash-flow reconstruction → rule engine (clause by clause) → risk model with explanations → integrity checks → template memo with a faithfulness verifier. One hash-chained audit log.
Where it runs
Entirely inside the browser. No API keys, no server, nothing leaves the device. In production the same engine is served from the bank's own server, so customer data never crosses the perimeter — by construction, not by policy.
Try it in 60 seconds
- Open New case and click Load sample A (synthetic hairdresser, one existing loan) — or upload your own PDF / XLSX / CSV statement and a photo of any receipt.
- Watch the statement parse, the income series build, the DBR formula fill in, the integrity checks run and the memo assemble.
- Drag the requested amount slider: the ratio crosses 50% and the recommendation changes in real time.
- Approve or override; every step lands in the audit log, which you can export with the case.