Makaya Equity is an end-to-end membership fintech and lending ecosystem engineered to automate member underwriting, identity verification, and capital workflows. Core Technical Specs & Features: Proprietary Underwriting Engine : Custom algorithmic risk-assessment model that ingests live banking data, cash-flow patterns, and repayment history to generate an instant, proprietary creditworthiness score. Plaid Bank Integration & OAuth: Instant bank account verification, real-time balance checks, transaction categorization, and automated ACH transfer verification. Payroll Direct Connect: Secure verification of member income and employment status via payroll API linking. Conversational WhatsApp AI Assistant: In-chat AI concierge on WhatsApp capable of answering member queries, delivering payment reminders, checking loan status, and guiding applicants through onboarding. Automated KYC & Identity Verification: Dual-layer identity verification with automated verification flows and an admin manual-review fallback pipeline. Member Financial Dashboard: Interactive portal tracking active loans, contribution balances, payment schedules, transfer history, and membership benefits. Admin Compliance & Risk Center: Granular back-office console for staff, compliance onboarding, disclosure management, and portfolio risk monitoring. Security & Regulatory Safeguards: Strict role-based access control (RBAC), end-to-end data encryption for PII, and automated regulatory disclosure workflows.