A complete lending core for rural banks, cooperatives, and MFIs — origination, underwriting, servicing, and real-time collections over InstaPay. Runs alongside your existing core. No upfront CapEx.
A customer in a far barangay pays in seconds instead of losing half a day and a fare. Convenience drives on-time payment — the cheapest NPL reduction there is.
Faster turnaround captures borrowers who would otherwise go to high-interest lenders, and the small-ticket tier you could never staff becomes volume.
Underwrite on observed repayment behaviour from your own portfolio, not on a form and a hunch.
Your customers will use other e-wallets — that's a given. The question is where they borrow and save.
Borrowers apply from a phone. Branch staff work the same queue. Loan officers capture applications on a tablet in the field. Documents, KYC, and credit-committee approvals move through one system with one audit trail.
You set the rules. Higala applies them the same way on every application. As repayments run through the platform, the scoring layer learns from behaviour you can see and audit — never from a model you can't inspect.
Approve a loan and disburse it to the borrower's bank account or e-wallet over InstaPay. The disbursement, the schedule, and the ledger entry are one event, not three handoffs.
This is where the manual work goes. Higala connects your institution to InstaPay through RCBC as sponsor bank. Borrowers pay from any bank or e-wallet in the country. Funds credit your account in real time, carry a reference your system matches on the first pass, and post against the right loan without anyone opening a spreadsheet.
| Today | On Higala |
|---|---|
| Collections arrive as a T+1 batch file | Payments credit and post in real time |
| Staff match payments to accounts by hand | Matching happens on the reference, automatically |
| Exceptions found the next day, or later | Exceptions surface at the moment of settlement |
| Collections position is always a day stale | Live position for provisioning and reporting |
| Every new account adds reconciliation load | Volume scales without added manual work |
Higala's Digital Lending Platform is delivered as a service and works with the core banking system you run today. There is no hardware to buy and no licence to capitalize. If you change core banking system in three years, Higala stays.
Real-time repayments over InstaPay. The fastest win, and the one most institutions start with.
Digital loan applications for ₱20,000 and below, decisioned in minutes instead of days. Serve the high-velocity tier you’ve never been able to staff.
Rules-based underwriting informed by your own data.
Each works on its own. Together they run the loan lifecycle end to end.
A 30-minute working session on your own loan product and your own repayment data. You'll see exactly what settles in real time, what reconciles itself, and what it would take to go live. No CapEx, no core migration, no commitment.
