An AI workforce that calls and messages every delinquent borrower, negotiates, and gets them to pay — autonomously. Humans handle only the edge cases.
Live queue shown is a simulated demonstration of Ayra's workflow, not real account data.
Figures illustrate the outcomes Ayra is built to deliver, drawn from early pilot cohorts. Results vary by portfolio, market, and starting delinquency mix.
Every lender hits the same wall: as the loan book grows, the only way to collect is to hire, train, and manage more agents — slow, expensive, inconsistent, and impossible to staff around the clock.
Recovery odds are highest immediately after a missed payment. Agents reach accounts hours or days later, after the best window has closed.
More volume means more agents — recruiting, training, attrition, QA, management overhead. Costs rise in lockstep with the book.
Tone, timing, and judgment vary wildly between people and shifts. Results are inconsistent and almost impossible to optimize.
Payment fails — sits untouched in the system passive
Lands on an agent's list the next shift delayed
Generic call or SMS, no behavioral context blunt
No answer → manual retries, if there's time under-worked
Notes logged inconsistently, nothing learned opaque
Most accounts get a fraction of the attention they need lost recovery
Ayra inverts the staffing model. Instead of humans working every account and software assisting, AI agents work every account autonomously — and escalate the narrow set of genuinely complex cases to a human.
Every account worked instantly. No queue, no shift, no waiting for an available agent.
Consistent, compliant, optimized. The same best-practice playbook on every single contact, refined continuously.
Humans elevated, not eliminated. Your best people focus on disputes, hardship, and high-value negotiation — where judgment pays off.
Ayra calls and messages borrowers, negotiates, and closes the payment — in their language.
Hi Marco, it's Ayra calling on behalf of your lender about your overdue payment of $240.
I know, money's been tight this month.
Understood. I can split it — $120 today, $120 in two weeks, no late fee. Does that work?
Yeah, that helps. Let's do it.
Done. I'm texting you the secure link now. Thanks, Marco.
From the first missed payment to final resolution — see how Ayra runs each part of the operation.
Every delinquent account is scored and segmented the moment it arrives. Ayra reads payment history, loan type, and behavior to decide who self-cures with a nudge, who needs a restructure, and who must escalate.
Ayra holds real conversations across WhatsApp, SMS, and voice — in the borrower's language. It answers questions, offers compliant payment plans, and closes with a payment, just like your best collector would.
Every contact, outcome, and dollar is measured. See recovery by segment, channel, and strategy in real time — and watch the system get better as it learns which approaches actually work.
A workforce of AI collectors that works every account end to end — contacting, negotiating, and resolving without human queues or shifts.
WhatsApp, SMS, email, voice AI, and payment links — orchestrated together, so each borrower is reached where they actually respond.
Scores and routes every account by likelihood to pay and reason for delinquency — so the right strategy runs automatically.
Contact-time rules, frequency caps, disclosures, and audit trails enforced on every interaction, configurable per market and regulation.
Reads delinquency and writes outcomes back to the loan management system or core you already run. No migration, no rip-and-replace.
Multilingual agents and region-aware rules let you run the same platform across countries, languages, and regulatory regimes.
Every borrower gets a natural, adaptive conversation. Your compliance team gets an unambiguous, timestamped record of exactly what was said, offered, and agreed — never a summary, never an interpretation.
Ayra operates inside guardrails you set and regulators require, on every single contact, with no exceptions for volume or time of day.
Every contact verifies identity before any account detail or offer is discussed — no exceptions.
Negotiation guardrails — plan limits, fee waivers, tone — are enforced automatically. Agents can't improvise past what you've approved.
Every contact, offer, and outcome is logged and timestamped — ready for compliance review or dispute resolution.
Opt-outs, quiet hours, and contact-frequency caps apply automatically across every channel — voice, SMS, WhatsApp, and email.
Disputes, hardship claims, and anything genuinely ambiguous route to your team — by the escalation rules you define, not a generic default.
Contact-time restrictions, required disclosures, and regional consumer-lending rules (including FDCPA- and TCPA-style regimes) shape every conversation by default.
Compliance capabilities are configured per market and lender; specific frameworks and disclosures depend on your jurisdiction and licensing.
No core migration, no six-month integration project. Ayra sits on top of the stack you already run.
A read-write API link to your LMS or core. Ayra reads delinquency in real time and writes every outcome back. Nothing moves, nothing migrates.
Days, not monthsYou approve the playbook — tone, cadence, negotiation guardrails, compliance rules. Then Ayra parallel-runs on a slice of your book so you can compare results side by side.
You stay in controlAI agents take the routine 80% of volume. Your team keeps disputes, hardship, and high-value negotiation — and the recovery curve starts compounding.
Compounds from week oneThe conversation stops offering payment terms immediately and routes to your team with full context — the dispute is logged, timestamped, and never auto-resolved by the AI.
Opt-outs, quiet hours, and contact-frequency limits are enforced automatically across every channel the moment they're registered — no manual list management required.
Ayra is configured per market and lender to reflect the disclosures, contact windows, and licensing rules that apply to your portfolio. Your compliance team approves the playbook before it goes live.
All of it. You set the tone, cadence, and negotiation guardrails in the playbook. Ayra executes exactly what you've approved — nothing more.
A read-write API connection to your existing LMS or core. No migration, no rip-and-replace — most lenders are live on a slice of their book within weeks.
Ayra isn't a fixed playbook you adopt. You set the discipline — tone, timing, negotiation limits — and the AI workforce executes it on every account. Change a lever and watch the same borrower contact adapt.
Book a demo and watch Ayra work a sample of your delinquent accounts — autonomously, end to end, in your own language and rules.