Close consumer loans faster, without changing your core.
Crypton adds AI ID verification, text-and-email document delivery, stip collection, and e-signature to the loan origination system your bank already runs. Your lenders work the way they do now, and the waiting disappears.
Banks already work with Crypton.
From community lenders to national institutions, banks use Crypton to move loan documents, verify borrowers, and capture signatures, with the security and compliance their examiners expect.
The loan is ready. The paperwork isn't.
At most community banks, a consumer loan stalls on a document. A pay stub comes back blurry. An ID gets checked by eye at the branch. A stip sits in someone's inbox waiting for a call back. None of that is the lending decision, and all of it adds days to funding.
Every one of those steps is also a point where fraud slips through or a borrower drops off. Your team does not need another platform to learn. These gaps close inside the loan system your lenders already use, so the document, the ID check, and the signature stop being what everyone waits on.
How Crypton fits into your loan flow.
Your lender sends the loan package by text or email, straight from the origination system they already use. No export, no separate app.
The borrower's ID is checked with an AI facial match before anything moves forward, so fraud gets caught up front instead of after funding.
The borrower signs electronically and returns any missing stips through a single secure link. ESIGN and UETA compliant, timestamped and locked.
The signed package lands in an encrypted vault with the full audit trail, ready for funding and downstream workflows.
What Crypton adds to your loan flow
AI ID Verification
The borrower's ID is checked with a facial match before the loan moves, so fraud gets caught up front instead of after funding.
Document Delivery by Text or Email
Lenders send the loan package from where they already work. The borrower opens it on a phone.
One-Time Stip Upload
Missing documents come back through a single secure link. No portal account and no email attachments.
Built-In E-Signature
Borrowers sign from any device. ESIGN and UETA compliant, timestamped and locked.
Encrypted Vault
Signed files land in secure storage, ready for audit and downstream workflows.
Pay Per Use
No subscription, no seat licenses, no minimums. The cost tracks your loan volume.
Works With Your Core
Runs alongside the loan system you already use, and fills the consumer-side gap that cores like Jack Henry leave open.
ESIGN and UETA Compliant
Signatures meet federal and state standards out of the box, with no legal buildout.
SOC 2, KYC and AML
Enterprise-grade security, with identity and anti-fraud checks built into every ID verification.
Tamper-Evident Audit Trail
Every send, verification, and signature is timestamped and locked. Full chain of custody.
Mobile-Optimized
Borrowers complete everything from a phone, because that is where they are.
Modular
Turn on one piece or several. You are not buying a suite you will not use.
Add modern loan steps without touching your core
Your lenders keep working inside the origination system they know. Crypton adds ID verification, document delivery, stip collection, and signing on top, so consumer loans close faster and fraud gets caught before funding.
Use Cases
- Consumer and installment loans signed inside your existing workflow
- AI ID verification with facial match before funds move
- Stips collected through a single secure upload link
- Signed documents stored in an encrypted vault with the audit trail intact
A faster close for your members
Members expect to finish a loan from their phone. Crypton lets your team send documents, verify identity, and collect signatures without sending members to a separate platform or a new login, all priced pay per use.
Use Cases
- Member loans signed on any device with no new account
- Identity verified with an AI facial match to cut fraud
- One-time links for missing documents instead of email back and forth
- ESIGN and UETA compliant records on every signed file
Built for the lending side you run
If your institution runs a consumer or installment lending arm, Crypton drops the document, ID, and signing steps into that workflow, with per-use pricing that tracks volume instead of a flat contract.
Use Cases
- High-volume consumer loans processed without added staff time
- Facial-match ID verification built into the loan flow
- Stipulation collection and e-signature in a single pass
- Encrypted storage and a tamper-evident audit trail
Proven in regulated lending. Ready for your bank.
Crypton has run document, identity, and signing workflows for consumer lenders for years. The compliance and security your examiners expect is built in, and going live takes weeks, not months.
- Built to ESIGN and UETA out of the box, with no legal buildout
- SOC 2 security, with KYC and AML on every ID check
- Runs alongside your existing core, with no rip and replace
- Pay per use, with no subscription or seat minimums
- Dedicated support from integration through go-live
Ready to speed up your loans?
Book 15 minutes with us. We will show how Crypton drops into the loan system your bank already runs, and what going live looks like for your institution.
