Assess
LendLogic AI evaluates permitted wallet behaviour, account stability, KYC status and repayment capacity.
Spot-me AI lending
Small advances.
Smarter decisions.
Spot-me embeds instant, responsible micro-advances inside a customer’s digital wallet. LendLogic AI uses permitted wallet behaviour, transaction patterns and non-financial data to assess eligibility, set controlled limits and support customers often missed by traditional credit models.
A wallet-native credit product
Turn active wallet use into responsible access to credit.
Spot-me gives eligible customers a small digital advance for everyday needs such as transport, groceries, airtime, utilities, school costs, medicine and emergencies.
Customers request and receive funds in the wallet, with clear fees, simple repayment and no branch application. Providers configure limits, pricing, tenor, eligibility, approval thresholds, arrears settings and portfolio controls for each market.
Customer journey
From wallet activity to an instant decision.
Offer
Eligible customers see a clear available limit and repayment choices inside their wallet.
Advance
Funds are credited directly to the wallet for immediate use.
Learn
Repayment performance updates the customer profile and informs future limits.
LendLogic AI decision engine
One decision layer.
The decision engine returns eligibility, risk grade, maximum advance amount, repayment options, affordability indicators, behavioural risk flags and future limit recommendations.
It connects with the wallet front end, ledger, rules, notifications, reporting and administration through an API layer that can also integrate with core banking, bureau and open-banking services.
Responsible product design
Controls for the customer and the provider.
Small exposure
Configurable limits keep advances deliberately small and aligned with assessed repayment capacity.
Short terms
Customers repay at the next payday or across no more than three short instalments.
Dynamic controls
Limits can increase, reduce, suspend or close as behaviour and repayment performance change.
Smart collections
Light-touch retries, reminders, cooling-off periods and hardship workflows respond to the reason for a missed payment.
Fraud monitoring
Device, SIM, location, account and transaction patterns help identify credit and misuse risk.
Clear consent
Customers opt in and receive the limit, fee, repayment authority, data use and missed-payment consequences before confirming.
Illustrative configuration
Risk grade guides the offer.
Each institution defines its own eligibility, limit and repayment rules. This example shows how a client may align exposure with assessed risk.
| Risk grade | Suggested limit | Repayment option |
|---|---|---|
| A | Up to $200 | Up to 3 instalments |
| B | Up to $150 | Up to 3 instalments |
| C | Up to $100 | 1–2 instalments |
| D | Up to $50 | Single repayment only |
| E | Not eligible | No offer |
Deployment options
Built into One Wallet or added to yours.
One Wallet feature
Deploy Spot-me inside the Solveworx One Wallet ecosystem alongside payments, merchants, wallet services and financial inclusion capabilities.
View One WalletStand-alone plug-in
Add Spot-me to an existing wallet, mobile-money, digital-banking or payment platform through configurable APIs and product rules.
Discuss integration
Spot-me by Solveworx
Add responsible AI lending to your wallet.
Discuss your wallet environment, customer segment, product rules and integration model with Solveworx.
Talk to Solveworx