The credit core your institution needs to grow
Digital origination, portfolio management, AML compliance, automatic accrual, and configurable workflows in a single platform. Designed for financial institutions in Latin America.
Portfolio
$2.4B
Credits
1,247
Current
98.2%
Overdue
34
Today's Collection
$48M
Today's Applications
12
15+
Integrated modules
100%
Configurable workflows
Tasa E.A.
Regulatory calculations
SARLAFT
Compliance included
FNG
Integrated guarantees
From registration to disbursement in minutes
The complete client flow, digitized and automated from start to finish.
Registration & Onboarding
Digital identification and data validation
Credit Application
Amount, term, product, and basic documents
Automatic Pre-approval
Scoring, risk policy, and AML in seconds
Documents & Signature
Document upload and electronic signature
Disbursement
Transfer to verified account
Full control for your analyst team
Each role has its own view, actions, and permissions. Fully configurable.
Control Desk
Initial identity, watchlist, and risk policy validation before escalating to analysis.
- Credit bureau check
- AML validation
- Risk policy
Legalization
Guarantee formalization, insurance, and account verification for disbursement.
- FNG Guarantee
- Mandatory insurance
- Verified bank account
Portfolio
Credit lifecycle management: accrual, classification, and restructuring.
- Automatic accrual
- Delinquency buckets
- Restructuring
Collections
Recovery management with payment promises, agreements, and legal escalation.
- Payment promises
- Payment agreements
- Legal collection
Configure any type of credit
From consumer to UVR housing. Each product with its own rules, rates, and workflows.
Crédito Comercial
Para capital de trabajo y fortalecimiento empresarial. Flexible según necesidades del negocio.
Crédito de Consumo
Crédito para compra de bienes y servicios personales. Ideal para gastos imprevistos o proyectos personales.
Crédito de Libre Inversión
Crédito de libre destinación para lo que necesites. Sin restricción de uso, con tasas competitivas.
Crédito de Vivienda
Financiación para adquisición o mejora de vivienda. Tasas preferenciales y plazos extendidos.
Crédito Educativo
Crédito para financiar estudios universitarios y de posgrado. Soporta múltiples modalidades de pago (diferido, parcial, total), tasa indexada al IPC, y desembolsos por semestre.
Crédito mejora de vivienda Garantía FNG
Crédito mejora de vivienda con garantía FNG
Crédito Vehículo
Para adquisición de vehículo nuevo o usado. Tasas competitivas y plazos flexibles.
Custom Credit
Can't find what you need? We configure the perfect product for your institution.
More than credit: your complete digital wallet
Savings account, transfers, bill payments, and credit products. All in one platform.
Digital Savings Account
Open your account when you sign up. Manage your money, transfer and receive payments from anywhere.
Internal transfers
Between platform accounts, instant and free
External transfers
Send money to other banks securely
No maintenance fees
Free account opening when you sign up
Available balance
$2.450.000
Account ••• 4821
Bill Payments
Pay your public and private utility bills directly from your account, without leaving the platform.
Credit Products
Apply for credit in minutes. Real-time simulator and automatic pre-approval.
Consumer Credit
Vehicle Credit
Housing Credit
Personal Loan
Your identity, your platform
Cowally adapts to your brand. Each institution operates under its own visual identity, with no third-party footprint.
All the modules you need
A modular platform that covers the complete credit cycle, from application to portfolio recovery.
Origination
Control Desk
Portfolio Management
Collections & Payments
Daily Accrual
Provisions
Guarantee Manager
Accounting
Collections
AML & Validations
Configurable Workflows
Reports & Dashboard
Latest articles
News, guides, and best practices from the world of credit.
Del monolito a microservicios en fintech: cuándo y cómo migrar
Guía práctica sobre cuándo migrar de un monolito a microservicios en fintech, el patrón strangler fig y la descomposición por dominios de crédito.
Arquitectura de un core de crédito moderno: servicios, APIs y datos
Explora la arquitectura de un core de crédito moderno: capas de servicio, modelo de datos, principios de diseño y tecnologías utilizadas.
Integración de seguros a créditos: seguros de vida y de desempleo
Conoce cómo se integran los seguros de vida deudor y desempleo en los créditos, su costo, regulación y beneficios.
The technology behind Cowally
Augmented Capital LLC is the company behind Cowally. We combine fintech expertise with deep knowledge of the Latin American credit market to deliver a platform that truly solves the problems institutions face.
Our mission is to democratize access to world-class credit technology, enabling cooperatives, fintechs, and financial institutions to operate with the efficiency of a large bank.
100% LatAm
Designed for the local market
SFC
Regulatory compliance
Cloud
Scalable infrastructure
API
Open integration
Cowally
Digital Credit Platform
Ready to transform your credit operations?
Tell us about your institution and we'll show you how Cowally can optimize your credit workflow.