On-demand Solutions
Purpose-built platforms, assembled from proven parts.
Some mandates have no product to buy. A green energy financing programme, a sector lending scheme, a government-linked disbursement rail. We build those on the Maly stack, and we run them with you.
Nothing starts from zero. Onboarding, scoring, ledger, payments, merchant hierarchy and back-office already exist and are already certified. We assemble, configure and extend.
The product rules, the compliance model, the Shariah structure, the settlement flow and the reporting are built to your mandate, not bent from a template.
We run it with you. Platform operations, support and incident response stay with the team that built it, for as long as the commercial model says they should.
When this is the right route
The mandate exists. The category does not.
Solar, mobility, agricultural equipment, medical devices. Financing written where the asset is sold, with inspection, GPS and photo verification in the flow.
Shariah-compliant instruments such as Modaraba, Murabaha and diminishing Musharakah, with the profit and ownership mechanics enforced by the platform rather than by spreadsheet.
Distributors, dealers and sales agents in a hierarchy you define, where credit limits and product catalogue stay with the institution.
Development programmes, sector schemes and government-linked disbursement, where reporting and controls matter as much as the product.
What a build looks like
Under sixteen weeks, because most of it already exists.
| What we bring | What you bring | What gets built |
|---|---|---|
| Onboarding, KYC and identity integrations | The license and the mandate | The product rules and the credit policy engine |
| Scoring on alternative data, trained per market | Risk appetite and committee | Segment-specific decisioning and pricing |
| Ledger, loan management, settlement and reconciliation | The balance sheet | Instrument mechanics and profit accounting |
| Merchant, agent and back-office portals | The distribution network | Hierarchy, limits and catalogue governance |
| Hosting, operations and support | Regulatory reporting obligations | Reporting extracts and audit access |
Start the conversation
Describe the mandate.
If the parts exist, we will tell you what has to be built and how long it takes. If they do not, we will say that too.