Dulcet Holding
Dulcet HoldingAI Finance · India
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ReceivablesCreditLines

Receivables · Credit Lines · Securitisation & Scoring

End-to-end receivables management — TReDS invoice discounting, dynamic credit lines, securitisation structures and AI credit scoring with 98.7% accuracy.

Overview

Dul-fin's Receivables & Credit Intelligence platform unifies the entire receivables lifecycle — from invoice creation to final collection — into a single AI-driven workflow. We integrate all three RBI-approved TReDS exchanges (M1xchange, RXIL, Invoicemart) for automated invoice discounting, provide dynamic revolving credit lines that expand and contract with real-time receivables data, structure securitisation pools for pass-through certificate issuance, and deploy 12 proprietary AI scoring models that assess buyer creditworthiness, payment probability and collection timing with 98.7% accuracy. Our AI engine processes 10,000+ market signals per second — buyer GSTN data, MCA filings, CIBIL scores, banking patterns, sector trends and macro indicators — to deliver real-time credit decisions that traditional underwriting simply cannot match.

98.7%

AI Accuracy

3 Exchanges

TReDS Linked

12

AI Models

10K+

Signals/sec

Key Features

TReDS Auto-Bidding

AI agent monitors all 3 TReDS exchanges (M1xchange, RXIL, Invoicemart) and auto-bids at optimal discount rates 24/7.

Dynamic Credit Lines

Revolving credit facilities that auto-adjust based on real-time receivables, collections and buyer credit profiles.

Securitisation Engine

Structure receivable pools for PTS issuance — AI selects optimal pool composition, tranche sizing and credit enhancement.

AI Credit Scoring

12 proprietary models assess buyer risk, payment probability, collection timing — 98.7% accuracy vs 82% traditional.

Buyer Risk Assessment

Real-time buyer credit data — GSTN compliance, MCA filings, payment history, sector exposure, concentration risk.

Collection Intelligence

AI predicts collection dates, flags overdue risk 30 days early, auto-triggers follow-up sequences via WhatsApp & email.

Ready to get started?

Apply with AI-powered pre-fill — our intelligence agent auto-completes your application across MCA, GSTN and CIBIL.

Live · 40 Modules · 12 Active Data Flows

Multi-Module AINeural Architecture

Advanced interconnection hub — every module is live-linked with AI-orchestrated data fetching, cross-platform synaptic flows, and autonomous signal routing.

Active Modules40
Data Flows / Day28,400+
AI Decisions / Hr1,200+
Synapse Links48
Live AI Neural Architecture · 38 Modules · 53 Synaptic Links

Multi-Module AI Neural Network

Every module is a live node — real-time data flows, AI orchestration signals, and cross-platform synapse connections visualised below.

AI5 modules
Lending7 modules
Trade7 modules
Invest6 modules
Ops7 modules
Ent6 modules
Live AI Data Flows

Cross-Module Signal Routing

CRM LeadLOS Application
AI Lead Scoring
2,340/day
LOS ApplicationDocument Hub
Auto Document Request
890/day
Document HubAI Verification
Vision OCR Engine
1,200/day
AI VerificationUnderwriting
Deep Reasoning AI
450/day
UnderwritingSanction Engine
Credit Policy Check
320/day
Sanction EnginePayment Gateway
Auto Disbursal
280/day
Invoice UploadTReDS Exchange
Auto-Bid Agent
1,800/day
TReDS BidSCF Ledger
Remittance Confirm
960/day
Risk SentinelNPA Provisioning
Basel III Engine
10k signals/s
WhatsApp BotCRM Timeline
Customer Msg Sync
4,500/day
GST PortalCompliance Hub
Auto Filing Check
Daily
MCA PortalEnrichment DB
Director Scrape AI
Real-time

Complete Module Registry

LIVE

AI Cockpit

AI Hub

AI Load87%
LIVE

AI Agent Workspace

AI Hub

AI Load72%
LIVE

AI Skills Hub

AI Hub

AI Load65%
LIVE

Agent Hub

AI Hub

AI Load58%
LIVE

Platform Intelligence

AI Hub

AI Load80%
LIVE

AI Skills Engine

AI Hub

AI Load91%
LIVE

Loan Hub

Lending

AI Load76%
LIVE

Loan Origination

Lending

AI Load68%
LIVE

Loan Management

Lending

AI Load55%
LIVE

MSME Credit

Lending

AI Load44%
LIVE

BNPL Workflow

Lending

AI Load38%
LIVE

P2P Lending

Lending

AI Load32%
LIVE

Dealer Finance

Lending

AI Load47%
LIVE

SCF Platform

Trade & SCF

AI Load88%
LIVE

TReDS / RXIL

Trade & SCF

AI Load94%
LIVE

Trade Finance Hub

Trade & SCF

AI Load62%
LIVE

Invoice Management

Trade & SCF

AI Load71%
LIVE

SCF Kanban

Trade & SCF

AI Load53%
LIVE

Anchor Database

Trade & SCF

AI Load41%
LIVE

Bill Discounting

Trade & SCF

AI Load67%
LIVE

B2B Receivables

Trade & SCF

AI Load59%
LIVE

Investments Hub

Investments

AI Load48%
LIVE

Mutual Funds

Investments

AI Load36%
LIVE

Forex Trading

Investments

AI Load52%
LIVE

Insurance

Investments

AI Load28%
LIVE

Investor Portal

Investments

AI Load33%
LIVE

Neo Banking

Investments

AI Load41%
LIVE

CRM System

Operations

AI Load96%
LIVE

Analytics Hub

Operations

AI Load78%
LIVE

Documents Hub

Operations

AI Load82%
LIVE

Compliance Hub

Operations

AI Load61%
LIVE

Workflow Automation

Operations

AI Load74%
LIVE

Payments Hub

Operations

AI Load85%
LIVE

Ledger System

Operations

AI Load69%
LIVE

Admin Hub

Enterprise

AI Load77%
LIVE

HRMS Hub

Enterprise

AI Load44%
LIVE

E-Signing

Enterprise

AI Load38%
LIVE

Module Network

Enterprise

AI Load56%
LIVE

Platform Suite

Enterprise

AI Load62%
LIVE

D365 Finance

Enterprise

AI Load47%

AI-Native Architecture Principles

Every module follows the same AI-first design contract — zero manual data entry, perpetual memory, real-time sync.

Deep Reasoning Engine

Every decision backed by multi-step reasoning across 500-page documents, covenant checks, and financial ratios.

Cross-Module Data Sync

CRM → LOS → LMS → Ledger — all automatically synced. No re-entry. AI carries context across every stage.

Compliance Intelligence

RBI, SEBI, DPDP, Basel III — statutory obligations auto-checked at every module boundary in real time.

10k Signal/Sec Processing

NPA sentinel, FX risk monitor, and anomaly detection operating continuously across the entire portfolio.

Autonomous AI Agents

6 purpose-built agents traversing government portals, exchanges, and compliance systems without human oversight.

Perpetual Memory Layer

Every client interaction, document, and decision stored in sovereign on-prem AI vault with cross-session recall.

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