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Product Guide
The three Tivani panels in practice: Administration (Side A), Organization (Side B) and End User (Side C).
1. Three Panels, One Platform — Overview
Tivani operates through three separate panels, each designed for a specific role. All three run on a shared data core, yet the experience and authority of each are entirely different. This guide shows what each panel actually does in practice.
| Panel | Who uses it? | Equivalent organizational role |
|---|---|---|
| Side A — Administration | Platform administration team (Noyan or parent organization) | Platform manager, technical team, governance |
| Side B — Organization | Client organization / underwriter | Finance manager, credit manager, human resources |
| Side C — User | End consumer of credit | Employee, customer, buyer |
2. The Full Flow: From Definition to Credit Use
Tivani's core strength lies in the integration of its three panels. A credit product is defined in the Administration panel, allocated to users in the Organization panel, and consumed in the End-User panel — all on one continuous data flow.
- Definition in the Administration panel: the credit product, plan, limit, fee rate and risk rules are defined.
- Allocation in the Organization panel: based on the defined rules, the organization allocates credit to eligible users.
- Use in the User panel: the user sees the credit in their wallet and uses it across the merchant network.
- Feedback and settlement: repayment, collections and settlement are managed automatically and reported back to the upper layers.
3. Administration Panel (Side A)
The Administration panel is the brain of the platform. From here, the administrating team defines the structure of the entire system: which organizations are active on the platform, which credit products exist, and which rules govern them.
Main workflow
- Organization definition — adding a new organization and configuring its access
- Credit product design — defining the plan, limit, fee rate and repayment terms
- User categorization — establishing secured and unsecured user groups
- Compliance engine — configuring compliance rules and regulatory controls
- High-level reporting — monitoring the performance of the entire platform at a macro level
| Capability | Function |
|---|---|
| Organization management | Defining, configuring and managing the organizations active on the platform |
| Credit product definition | Building credit product types with different plans, rates and terms |
| Fee structure | Defining the fee model (fixed, percentage, tiered, hybrid) |
| Compliance engine | Applying regulatory rules and risk controls at a macro level |
| High-level reporting | A macro dashboard of the performance of all organizations and products |
4. Organization Panel (Side B)
The Organization panel is where the client organization (the underwriter) carries out its day-to-day work: managing users, allocating credit, issuing corporate vouchers, and monitoring its financial position from a dedicated dashboard.
Main workflow
- User management — adding, verifying and managing the organization's users
- Credit allocation — granting credit to users based on the defined products
- Corporate voucher issuance — creating welfare vouchers locked to a network or product category
- Document management — recording and managing contracts and credit documents
- Financial dashboard — monitoring balances, transactions and the state of the credit portfolio
| Capability | Function |
|---|---|
| User management | Adding and managing users, assigning groups and access levels |
| Credit allocation | Granting credit lines to eligible users |
| Corporate voucher | Issuing welfare vouchers locked to a specific brand, category or network |
| Financial dashboard | A complete view of balances, transactions and portfolio health |
| Documents and contracts | Centralized management of credit documents and contracts |
5. End-User Panel (Side C)
The End-User panel is the experience the credit consumer encounters — typically a mobile application under the organization's brand. From here the user views their wallets, makes purchases, draws credit, invests, and manages statements.
| Wallet | What does the user do? |
|---|---|
| Cash | Payment, money transfer, ordinary purchase |
| Cash Credit (EWA) | Receiving an advance or salary prepayment |
| Non-Cash Credit (BNPL) | Installment purchase within a defined merchant network |
| Corporate Voucher | Using a welfare voucher to buy authorized goods |
| Facilities | Receiving a loan secured against an investment portfolio |
User workflow
- Login and verification — secure sign-in to the application and viewing the wallets
- Viewing credit — seeing the balance and available credit in each wallet
- Using credit — purchasing, withdrawing or applying credit within the network
- Investment — using the investment portfolio to obtain secured credit
- Statement and repayment — viewing history and statements, and paying installments
6. Credit Status Cycle
Every credit in Tivani passes through a defined lifecycle. This cycle is managed automatically, and at any moment the exact status of each credit is visible to the organization.
| Status | Description |
|---|---|
| Application | The user has submitted a credit request and awaits assessment |
| Assessment | The scoring engine is reviewing and deciding |
| Approved / Declined | The credit decision has been made and communicated to the user |
| Active | Credit has been allocated and is in use |
| Repayment | Installments are running, according to plan |
| Overdue | Delay in repayment — entering the automated collections process |
| Settled | The credit has been fully repaid and closed |
7. A Real Scenario, End to End
To see how the three panels work together, let us follow a simple scenario: an organization wants to give its employees a digital welfare voucher.
| Panel | Action |
|---|---|
| Side A | Defining the voucher product: the administrating team defines a "welfare voucher" product: locked to a specific merchant network, with a set monthly limit. |
| Side B | Allocation to employees: from its own panel, the organization allocates the voucher to eligible employees — for example, a fixed monthly amount per employee. |
| Side C | Receipt by the employee: the employee sees the voucher in the corporate wallet within their application and is ready to use it. |
| Side C | Use within the network: with the voucher, the employee purchases within the authorized merchant network — only the defined goods can be bought. |
| Side B | Monitoring and reporting: from its dashboard, the organization sees voucher usage and full reporting in real time. |
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