Application to approval to collection in one system of record. No servers, no capex, no IT team. We manage all the technical work for you, for one fixed price.
Built by Million Virtue Partners, the team behind AmanaX, Malaysia's leading zakat disbursement platform.
Every lender still on Excel knows these six moments. None of them are your fault. All of them disappear with a real system of record.
Swipe to see all six
One record, one system, from application to collection. Every step logged, timestamped, auditable.
Originate, underwrite, service, collect and comply. Each one a real Credix capability, not a bolt-on.
A copilot that reads the file and flags real risk.
Stable income, low existing commitments. Thin credit file is the main risk; two mitigants identified.
Applications flow through a clear funnel, not an inbox.
Schedules and repayments, reconciled automatically.
PAR buckets surface risk before it becomes loss.
Every action logged, timestamped and attributable.
Bai' al-Dayn, native to the platform.
The economics that make a real lending system finally make sense for a koperasi or a licensed money lender.
A predictable subscription, not an upfront licence plus hardware.
We host, secure, back up and patch it for you.
Features and regulatory updates (BNM, KPDN, PDPA) pushed to everyone.
No implementation marathon, no twelve-month rollout.
Pay for what you use; the platform grows with your book.
Against the free chaos of spreadsheets and the capex of legacy on-prem systems, cloud SaaS changes the maths.
You will not be left to figure it out alone. Three steps, with our team doing the heavy lifting.
Send us your spreadsheets. We map borrowers, loans and balances into Credix for you.
Your loan products, profit rates and approval rules, set up to match how you already work.
We stay on hand through your first cycles so nothing slips while you switch over.
A server in the back room is not security. This is.
Runs on AWS Malaysia (Kuala Lumpur). Your borrowers' data never leaves the country.
AES-256-GCM at rest with blind indexing, so sensitive fields stay protected even in search.
Schema-per-tenant separation. Your data is never mixed with another lender's.
Consent, retention and audit built in, more compliant than a sheet on an office PC.
Built by Million Virtue Partners, the team behind AmanaX, Malaysia's leading zakat disbursement platform.
See your own numbers move out of spreadsheets and into Credix. One conversation is all it takes to start.
Application to collection. Every step accounted for.