Neo Factoring — High-Load FinTech Platform
- [Client]
Sapa Digital Finance
- [Year]
2024—2025
- [web] neofactoring.kz/
- End-to-End Development
- Scoring Engine Design
- GovTech & 1C Integration
- Digital Onboarding
- E-Signature
Turnkey development of a platform for automating factoring transactions. The system provides the full cycle of monetary claim assignment: from client onboarding to payouts and repayment.
A turnkey platform was developed to automate factoring transactions, providing the full cycle of monetary claim assignment — from client onboarding and verification to financing, payouts, and repayment.
The system is built on a microservices architecture (Java, PostgreSQL) with business process orchestration through Netflix Conductor. It includes a configurable Scoring Engine for risk assessment, an internal legally significant electronic document management system with support for digital signatures (NCALayer), and two-way integration with 1C to automate financial operations.
Technical Features:
[Microservices Architecture]
Java backend with orchestration of complex business processes through Netflix Conductor
[GovTech Integrations]
Direct interaction with government databases (GBDFL, GBDYUL), credit bureaus (PKB), and biometric systems (ABIS) for verification and compliance
[Scoring Engine]
A configurable risk assessment model managed through the admin panel
[Security and EDM]
Internal legally significant document workflow with digital signature support (NCALayer)
[Finance]
Two-way synchronization with 1C to automate payment runs
[Stack]
Java Microservices, React, Conductor, PostgreSQL
