Ayra — The Autonomous Collection Platform

Why Ayra

Human-run collections don't scale. They just cost more.

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.

The first hours decide everything — and get missed

Recovery odds are highest immediately after a missed payment. Agents reach accounts hours or days later, after the best window has closed.

Headcount is the only lever

More volume means more agents — recruiting, training, attrition, QA, management overhead. Costs rise in lockstep with the book.

No two agents collect the same way

Tone, timing, and judgment vary wildly between people and shifts. Results are inconsistent and almost impossible to optimize.

A delinquent account, the manual way

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

The model

An AI workforce that handles the 80%.
Your people handle what matters.

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.

82%RESOLVED BY AI AGENTS

18%HUMAN

Autonomous treatmentExpert edge cases

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 Agent · live decision#LN-39820

Ayra → borrower

Hi Rasim, this is Ayra from your lender. Your $312 payment didn't go through on the 9th. No problem — would splitting it into two payments this month help?

Borrower

Yeah honestly this month is tight. That would help a lot.

Ayra → borrower

Done. I've set $156 today and $156 on the 24th, no late fee. Here's your secure link:

Pay $156 now

Plan agreed · auto-logged to system

Open

Conversational AI

It doesn't just decide. It talks.

Ayra calls and messages borrowers, negotiates, and closes the payment — in their language.

Ayra Voice

Live call · outbound

01:12

Ayra

Hi Marco, it's Ayra calling on behalf of your lender about your overdue payment of $240.

Marco

I know, money's been tight this month.

Ayra

Understood. I can split it — $120 today, $120 in two weeks, no late fee. Does that work?

Marco

Yeah, that helps. Let's do it.

Ayra

Done. I'm texting you the secure link now. Thanks, Marco.

WhatsApp · same agent

Hi Dana, your $148 payment didn't go through. Want a link to clear it?

Thought I paid already?

The card was declined on the 9th — no charge went through. Here's a fresh link:

Pay $148Open

Voice WhatsApp SMS Email

Any language Negotiates within your rules Hands off when needed

The product

One platform. The whole collection function.

From the first missed payment to final resolution — see how Ayra runs each part of the operation.

Smart segmentation

Channel orchestration

Recovery analytics

It knows who will pay — and who needs help

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.

Behavioral scoring, not just days-past-due
A distinct strategy assigned to each segment
Re-scored continuously as borrowers respond

Portfolio segmentation3,418 accounts

Self-cure 54%

Cash-flow stressed 29%

Escalation 17%

AI agents that actually negotiate

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.

Natural, multilingual, on-brand dialogue
Negotiates plans within rules you set
Hands off to a human the moment it should

WhatsApp · Ayra agentlive

Ayra

Hi Dana — a quick reminder that your $148 installment is 2 days overdue. Want me to send a secure link to clear it now?

Dana

I thought I paid that already?

Ayra

I see an attempt on the 9th that was declined by your bank — no charge went through. I can retry the same card or send a fresh link, whichever is easier.

Dana

Send the link please

Secure payment · $148

Sent · resolves on payment

Open

Know exactly what's recovering your money

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.

Recovery rate & cost-to-collect, live
Channel and strategy performance, compared
A self-improving loop on every resolved case

Recovery · last 6 weeks+34% trend

$112K

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The platform

Everything a collection operation needs — autonomous by default.

Autonomous AI agents

A workforce of AI collectors that works every account end to end — contacting, negotiating, and resolving without human queues or shifts.

Every channel, one brain

WhatsApp, SMS, email, voice AI, and payment links — orchestrated together, so each borrower is reached where they actually respond.

Behavioral segmentation

Scores and routes every account by likelihood to pay and reason for delinquency — so the right strategy runs automatically.

Compliance built in

Contact-time rules, frequency caps, disclosures, and audit trails enforced on every interaction, configurable per market and regulation.

Connects to your stack

Reads delinquency and writes outcomes back to the loan management system or core you already run. No migration, no rip-and-replace.

Built for any market

Multilingual agents and region-aware rules let you run the same platform across countries, languages, and regulatory regimes.

Your playbook, executed

It runs your collection methodology — not ours.

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.

You define the discipline

Tone

Cadence

Negotiation guardrail

Ayra → borrower

Same overdue account · $240

Generated message

Hi Marco — I noticed your $240 payment didn't go through, and I know things come up. Whenever you're ready, I can split it into two smaller amounts this month so it's easier. Want me to set that up?

Plan offered · 2 instalments Late fee · waived

Same standard, every account. The playbook you sign off on runs identically on account one and account fifty thousand — no drift between agents, shifts, or volume spikes.

Collections that run themselves.

A collection department that scales without headcount.

Human-run collections don't scale. They just cost more.

A delinquent account, the manual way

An AI workforce that handles the 80%.
Your people handle what matters.

It doesn't just decide. It talks.

One platform. The whole collection function.

It knows who will pay — and who needs help

AI agents that actually negotiate

Know exactly what's recovering your money

Everything a collection operation needs — autonomous by default.

Autonomous AI agents

Every channel, one brain

Behavioral segmentation

Compliance built in

Connects to your stack

Built for any market

It runs your collection methodology — not ours.

See an AI collection workforce run your portfolio.

A collection department that scales without headcount.

Human-run collections don't scale. They just cost more.

A delinquent account, the manual way

An AI workforce that handles the 80%.Your people handle what matters.

It doesn't just decide. It talks.

One platform. The whole collection function.

It knows who will pay — and who needs help

AI agents that actually negotiate

Know exactly what's recovering your money

Everything a collection operation needs — autonomous by default.

Autonomous AI agents

Every channel, one brain

Behavioral segmentation

Compliance built in

Connects to your stack

Built for any market

It runs your collection methodology — not ours.

See an AI collection workforce run your portfolio.

An AI workforce that handles the 80%.
Your people handle what matters.