The team behind Fineract and Finflux—now building Lokta.ai
Transforming Loan Origination and Management for the Next Decade
About Lokta
About Lokta
About Lokta
We’ve spent the last decade building lending systems that run at real scale. We were the original architects behind Apache Fineract, the open-source engine that still powers lending programs globally — with the broader Mifos/Fineract ecosystem
We’ve spent the last decade building lending systems that run at real scale. We were the original architects behind Apache Fineract, the open-source engine that still powers lending programs globally — with the broader Mifos/Fineract ecosystem
We’ve spent the last decade building lending systems that run at real scale. We were the original architects behind Apache Fineract, the open-source engine that still powers lending programs globally — with the broader Mifos/Fineract ecosystem
Our AI philosophy
Our AI philosophy
Our AI philosophy
Deterministic Core
In lending, the system of record cannot guess. Disbursements, interest, fees, postings, statements, and compliance must be correct every time. That is why we build a deterministic core with predictable outcomes and full audit trails. AI can assist and accelerate, but AI alone cannot guarantee a zero failure rate in the core.
Zero surprise computations
Audit ready, regulator grade
Deterministic Core
In lending, the system of record cannot guess. Disbursements, interest, fees, postings, statements, and compliance must be correct every time. That is why we build a deterministic core with predictable outcomes and full audit trails. AI can assist and accelerate, but AI alone cannot guarantee a zero failure rate in the core.
Zero surprise computations
Audit ready, regulator grade
Deterministic Core
In lending, the system of record cannot guess. Disbursements, interest, fees, postings, statements, and compliance must be correct every time. That is why we build a deterministic core with predictable outcomes and full audit trails. AI can assist and accelerate, but AI alone cannot guarantee a zero failure rate in the core.
Zero surprise computations
Audit ready, regulator grade
Workflow and Agentic AI
Once the core is reliable, AI can safely drive speed. Workflows orchestrate every step across teams and systems. Agents handle repetitive work, exceptions, and follow ups while staying inside policy guardrails. You get automation that is faster, explainable, and governed, with humans in control where it matters.
Faster ops through orchestration
Guardrails, approvals, and action logs
Workflow and Agentic AI
Once the core is reliable, AI can safely drive speed. Workflows orchestrate every step across teams and systems. Agents handle repetitive work, exceptions, and follow ups while staying inside policy guardrails. You get automation that is faster, explainable, and governed, with humans in control where it matters.
Faster ops through orchestration
Guardrails, approvals, and action logs
Workflow and Agentic AI
Once the core is reliable, AI can safely drive speed. Workflows orchestrate every step across teams and systems. Agents handle repetitive work, exceptions, and follow ups while staying inside policy guardrails. You get automation that is faster, explainable, and governed, with humans in control where it matters.
Faster ops through orchestration
Guardrails, approvals, and action logs
Meet the founder
Rich Lending Technology Experience
Ashok Auty
Co-founder
Ashok Auty
Co-founder
Ashok Auty
Co-founder
15+ years in transformative fintech.
Co-creator: Mifos X & Apache Fineract.
Founder of Finflux (Acquired by M2P).
Powered 25M+ borrowers in 15 countries.
15+ years in transformative fintech.
Co-creator: Mifos X & Apache Fineract.
Founder of Finflux (Acquired by M2P).
Powered 25M+ borrowers in 15 countries.
Co-build the next-decade lending stack with Lokta
We’re onboarding a small group of design partners ahead of our April 2026 MVP. Bring your lending workflow, constraints, and goals—help shape the roadmap and get early access to a governed, audit-ready, AI-first platform.
Co-build the next-decade lending stack with Lokta
We’re onboarding a small group of design partners ahead of our April 2026 MVP. Bring your lending workflow, constraints, and goals—help shape the roadmap and get early access to a governed, audit-ready, AI-first platform.
Co-build the next-decade lending stack with Lokta
We’re onboarding a small group of design partners ahead of our April 2026 MVP. Bring your lending workflow, constraints, and goals—help shape the roadmap and get early access to a governed, audit-ready, AI-first platform.