Recorded consent
Ask and log consent (or opt-out) before anything else — an append-only audit trail per customer.
Home Use cases Finance & Lending
Lenders, NBFCs, DSAs & advisorschatos records the customer's consent, captures the application, and collects KYC documents right in the chat — then hands a complete file to your team to verify eligibility. Your account, your rules; chatos never disburses funds.
No credit card · 7-day trial · 50 free messages
The consent, the application and the documents are all captured where your customer already is — and logged for your records.
Ask and log consent (or opt-out) before anything else — an append-only audit trail per customer.
Collect PAN, Aadhaar and more as photos or PDFs, saved to the applicant's profile.
Capture amount, tenure, income and employment as structured fields.
Hand a complete file to your team to verify and decide — with the whole thread in one inbox.
Take processing fees via a payment link or native in-chat pay, straight to your own account.
Every conversation stays on your business WhatsApp, not a third party's.
The numbers teams see when the conversation does the work.
Every application starts with logged consent you can point to later.
Customers apply and upload documents from the chat they already use.
The consent, answers and documents sit together for your team.
Funds settle to your own account; chatos handles the conversation, never the money movement or the credit decision.
Bring a WhatsApp Business number and your list. We handle the rest — and you can be answering, booking and following up the same week.
Start free trialLink your own WhatsApp Business number, or start on our shared number while yours is in review with Meta, so the wait costs you nothing.
Ads, portals, your website, walk-ins and CSV lists all flow into one inbox and CRM against this use case.
Drag-and-drop the qualify → answer → book → follow-up journey on a visual canvas. No code, editable any time.
It replies in seconds, books, reminds and nurtures around the clock. Your team steps in only to close.
Anything else, message us and a person replies.
No. chatos collects consent, the application and KYC documents, and routes them to your team. Underwriting, eligibility decisions and disbursal stay entirely with you.
Uploaded files are attached to the applicant's profile in your workspace. Treat them per your own data-retention and compliance policy.
Yes — each grant or opt-out is written to an append-only consent log with the time, purpose and the exact terms shown.
Consent, KYC and intake — routed to your team, ready to verify. · 7 days free with 50 messages, no card.