Next-generation credit infrastructure
The infrastructure for building the future of your fintech — originate, manage and settle any credit product on one API-first platform
Tivani is Iran’s modular, API-first credit infrastructure covering the entire credit lifecycle — from product design and origination to servicing, collections and payments — for every class of loan, credit line and wallet.
Why Tivani exists
Legacy cores are rigid — every new product takes months. Modern tools are often unproven at real transaction volume. Tivani was built to end that dilemma.
Built on microservice architecture with bank-grade encryption, for the highest level of data security and transaction reliability.
Apply your brand, colors, domain and business rules; everything reaches your users under your organization’s identity.
Activate your dedicated fintech infrastructure in record time, with no development required.
Analyze user behavior and optimize credit models with Tivani’s AI engine.
Direct integration with the national payment network (Shetab), PSPs and banking APIs for real-time settlement and credit allocation.
No limits on users, merchants or transactions — ready for rapid growth at national scale.
One platform
Each module is powerful on its own; together they cover the full credit lifecycle, seamlessly.
API-first architecture for building, managing and scaling any credit product.
Learn more →More speed, accuracy and scale in issuing credit.
Learn more →More efficiency, accuracy and control in managing loans.
Learn more →Lower risk, higher recovery, and a human touch preserved.
Learn more →Lower default rates and full payment flexibility, integrated with the credit core.
Learn more →A credit decision in a fraction of a second, built on live behavior — not yesterday’s reports.
Learn more →Lendtech DNA
At the heart of the ecosystem is the Tivani platform: an intelligent layer orchestrating users, funding providers and the merchant network in real time. Built cloud-native on microservices, it makes launching new financial products a matter of days — not months. For organizations that want their own experience, every service is available on-premise through secure, documented APIs.
Users sit at the center of every service — installment payments, purchase credit, multi-purpose wallets. Organizations can define dedicated features per user group: cash withdrawal, closed-loop purchasing, vouchers and gift cards. Each user can hold multiple accounts across providers and switch between them.
Tivani connects financial platforms to a network of 4,500+ active merchants with zero friction. A dedicated merchant-management dashboard handles fee tiers, onboarding and KYC, and settlement per predefined payment terms. The Credit Payment Gateway (CPG) supports online and in-person acceptance, and QR codes bring offline merchants into the network.
A secure, scalable foundation for banks, credit institutions and investors to offer digital, manageable financial products. Tivani’s service-based integration connects quickly with any provider — from large banks with centralized cores to agile fintechs and lendtechs.
Industries
A bank that wants BNPL, micro-credit or a digital wallet without years of development reaches market in weeks …
Skip months of credit-core development and focus on your product and market. Tivani’s documented APIs cover th…
Bring credit purchasing, loyalty points and smart repayment inside your own sales ecosystem. A dedicated close…
Trusted across Iran’s financial ecosystem
Collaborations with established brands across banking, fintech, industry and retail show Tivani is not just a platform, but trusted infrastructure.
FAQ
In a 30-minute session, see a tailored demo of the platform and get an estimate that fits your business.