Bolehlah is the AI credit intelligence platform that powers licensed lenders across Southeast Asia — making underwriting faster, more accurate, and more inclusive through proprietary AI trained on regional borrower data.
3-second decisions · 35% measured default reduction · 80% autonomous approval rate · Deployed by regulated institutions
Live AI decision stream
p50 inference latency 142 ms · model v4.2.1
Selamat pagi,
Azman
Outstanding
RM 22,880
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RM 489.20 · 12 Sep
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The thesis
01 · Problem
Licensed lenders across Southeast Asia rely on spreadsheets, branch visits, and one-size-fits-all rulebooks. Defaults are mispriced. Good borrowers are turned away.
02 · Insight
Proprietary AI trained on regional borrower data captures signals that rulebooks miss: employment cohort, deduction capacity, repayment elasticity, local macro.
03 · Product
Borrower intake, decision engine, servicing, blockchain-verified records — every module is a delivery surface for the underlying AI. Every loan processed becomes training data. The flywheel compounds.
AI capabilities
Every capability surfaces a different face of the same proprietary model — trained on regional borrower outcomes, explainable by design, regulator-ready.
ai-underwriting-core
Inference in milliseconds. Approve, review, or decline with a structured explanation the regulator can read. Deployed institutions configure thresholds; the AI handles the rest.
borrower-intake-api
Conversational, mobile-first, PDPA-compliant intake across web / native / WhatsApp. Models score fit during the form, not after — incomplete applications are steered or stopped before they reach the decision engine.
risk-intelligence
Per-cohort default forecasts, stress tests, and early-warning alerts on any deployed institution's book. Pre-trained on ASEAN-5 vintages; fine-tunes on each lender's outcomes within weeks.
compliance-audit
Every decision hashed to a permissioned ledger. Model cards, explanation logs, and configurable regulator exports. Supports KPKT, OJK, BSP, SBV, BoT filing formats out of the box.
Category & peers
We're built and valued like the AI-native infrastructure companies that serve regulated institutions — not like consumer finance apps. Our benchmark set sits in the 10-18× revenue multiple category.
Target listing: Nasdaq Global Select (long-term). Capital Market is fallback, not goal.
Peer set
Gross margin target
75%+
Net revenue retention
110%+
SAM (ASEAN-5)
US$3B+
Annual originations
US$180B+
Surfaces
Bolehlah.com is what deployed institutions operate and what their borrowers interact with. Bolehlah.ai is how engineers and researchers consume the same proprietary AI directly.
Bolehlah.com
The deployment surface licensed lenders operate. Includes an AI-powered borrower-intake app, operations console, disbursement pipeline, and compliance exports. Multi-lingual (EN · BM · 中文).
Open borrower experience
Bolehlah.ai
Direct API access to /decisions, /scoring, /inference. Model cards, benchmarks, and research for the platform engineers building against our proprietary AI.
Read the API brief
For regulated institutions, AI researchers, and investors positioning into ASEAN-5.