Valeyo Omnichannel Loan Origination platform

Faster. Stronger. Smarter Engagement.

A unified platform for omnichannel loan origination.

PERSONALIZED
LOAN PRICING

TRUSTED
AUTO DECISIONING

NEXT GEN
UX

CONSUMABLE
API

CLOUD-BASED
SAAS PLATFORM

What we believe in

Financial institutions need a loan origination platform powerful enough to integrate into their financial ecosystems, and flexible enough to be tailored to their unique needs.

seamless from application to funding

Digital Lending & Engagement

Customizable workflows support a tailored end-to-end lending experience. Built on market research and in collaboration with industry leaders, Valeyo Ori lets you define the customer journey and deliver an improved experience that is aligned to your institution's brand.

Agnostic plug & play options

Adaptable to future needs and regulatory changes

Enable open banking capabilities

Digital ID Verification: Securely verify an applicant’s identification.
Credit Bureau Inquiry: Including soft credit inquires for personalized loan pricing and pre-qualified offers, and hard credit inquires for loan application processing and adjudication.
Income Verification: Verify income and employment with real-time information.
Risk-Based Pricing: customize your risk-based pricing analysis to include specific parameters for borrower credit scores, debt-to-income, and other key metrics used for loan approval analysis.
Address Completion: Intelligent and rapid search of Canadian addresses, increasing accuracy and relevancy.
Core Banking: Integrate with core banking for loan origination and new member onboarding .
Member Onboarding: Including the ability to automate the creation of a membership, membership share account, and demand account (ex. no fee chequings) within the prospect lending workflow for both digital/online and in-branch/lender initiated loan applications.
Fraud Check: Including the ability to detect if the digital/online application is coming from a fraudulent or high-risk source (IP, device, profile, etc.).
AML Check: Including the ability to perform identity verification in alignment to strategies and obligations under the FINTRAC Proceeds of Crime (Money Laundering) Anti-Terrorist Financing Act (PCMLTFA) regulations and guidelines.

Define your own customer journey

Secure API &
Core Integrations

In alignment with Credit Union Financial Exchange Standards, Valeyo is developing its loan origination platform on a secure API model that is vendor agnostic. This foundational strategy will unlock the core capabilities of our system, enabling partners’ to integrate to best-in-class service providers of choice, giving them flexibility and control over the member experience. Our completed integrations include:

Digital ID Verification

Credit Bureau
Inquiry

Income
Verification

Risk-Based Pricing

Address
Completion

Core
Banking

Member
Onboarding

Fraud Check

AML
Check

Digital ID Verification: Securely verify an applicant’s identification.
Credit Inquiry: Including soft inquires to your credit bureau for personalized loan pricing and pre-qualified offers.
Income Verification: Verify income and employment with real-time information.
Risk-Based Pricing: customize your risk-based pricing analysis to include specific parameters for borrower credit scores, debt-to-income, and other key metrics used for loan approval analysis.
Address Complete: Intelligent and rapid search of Canadian addresses, increasing accuracy and relevancy.
Core Banking: Integrate with core banking for loan origination and new member onboarding .

Get The full picture in fewer clicks

Next Gen UX & UI

A fresh and intuitive experience reflects and respects the lender journey including day-to-day tasks, needs and operational best practices. The Ori platform provides an improved and fully branded customer UX allows your institution to increase service, speed, security and satisfaction.

Full SPEED ahead

Rapid Technology Development

Production Launch: May 2021

Digital lending for prospects

Q3, 2021

Digital lending for existing members

Q4, 2021

Secured lending

Online and in-branch retail unsecured lending for new member onboarding.

Online and in-branch retail unsecured lending for existing members.

Online and in-branch retail secured lending for existing members and new member onboarding.

View Full Roadmap

About Valeyo

Building the future together

"We are evolving our technology and creating connections with industry leaders to deliver a seamless, forward-looking experience our partners and their members can trust."