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Intelligence, in tune with your institution.
HAiLP is the AI layer of the LoanCirrus platform — document verification, risk scoring, fraud detection and policy rules working in harmony with your people on every credit decision. Built on the platform behind 120,000+ funded loans, operated for Canada: bilingual by design, hosted in-country.
The model recommends. Your people decide.
“Harmonic” is deliberate. HAiLP extends the Lending Platform and Reach with governed AI across origination, servicing and customer interaction — learning from your workflows, automating decisions where safe and flagging exceptions where human judgement is warranted. An AI recommendation is never a final decision: the model recommends, your analyst decides, the rules engine governs, and the regulator can see everything — exactly the discipline OSFI’s model-risk guidance (E-23) expects of Canadian institutions.
Intelligence is only as safe as the process beneath it.
HAiLP doesn’t float above your operation — it stands on the LoanCirrus Process Engine, the same foundation the entire platform is built around. Every model and agent works inside a defined process, as a named operator on specific steps — human, AI or hybrid — inheriting that step’s deadline, escalation path and audit trail. That’s why HAiLP can automate aggressively and still satisfy a regulator: the process, not the model, is in charge.
Four services. One decision.
DocVer
Real-time verification of Canadian IDs, T4s, pay stubs, bank statements and trade documents — OCR in English and French, classification and face-match, with per-field confidence.
RiskScoring
Calibrated probability of default, recommended limits and loss estimates — every score paired with reason codes readable in both official languages.
Fraud Service
Anomaly detection with device, velocity and document-consistency signals. High-risk cases route to investigators — not to auto-decline.
Rules Engine
A configurable, jurisdiction-aware policy layer — federal and provincial — that turns model output into a defensible decision and names every rule that fired.
Governed by design — the E-23 way.
Human-in-the-loop
Every recommendation can be overridden by a credentialled user — and every override is preserved in an immutable audit record.
Explainable decisions
Reason codes on every decision, in English and French, with fairness testing aligned with Canadian human-rights legislation on every cohort.
Continuous learning, controlled release
Models retrain as outcomes mature, prove themselves in shadow mode, and promote only after documented sign-off — the lifecycle discipline OSFI E-23 calls for.
Compliance as configuration
FINTRAC, PIPEDA and Quebec Law 25, OSFI B-13 and E-23 expectations, and provincial requirements (FSRA, AMF) encoded as configurable rules — not redesigns. Data and models stay in Canada.
Every credit product Canadian lenders run.
Consumer credit
Cards, personal and auto loans — end-to-end decisions, including KYC and document checks, in under sixty seconds for most cases.
Mortgages
Pre-qualification in minutes, B-20-aligned condition tracking and document forensics — with the underwriter holding the closing sign-off.
Credit-union & MIC lending
Member loans, private and family-office files — provincially-aware rules with the same governed AI on every decision.
Trade finance & letters of credit
Machine-speed consistency checks across invoices, POs and bills of lading, with sanctions screening — conservative by design.
Open by design.
HAiLP ships with native agents — and orchestrates agents beyond it. Bring the AI your institution already uses or builds: external agents work inside the same guardrails, the same audit trail and the same human checkpoints as our own.
Put intelligence behind every decision.
See HAiLP working inside your processes — governed the way Canadian regulators expect.