One conversation in.
A defensible credit file out.
Everything between “who is this borrower?” and a signed-off decision — in one workspace built for credit and risk teams.
Conversational report creation
No forms, no tickets. Type a GSTIN, PAN or name — the assistant resolves the entity, previews exactly what will be fetched and what it costs, and captures consents before a single credit is spent.
- ✓Entity resolution across GSTN, MCA and the web
- ✓Scope & credit preview before you commit
- ✓In-flow consent capture (GST OTP, AA, ITR)
New report · chat
Evidence-cited report canvas
Sections stream in as agents finish. Every sentence that states a fact carries an evidence chip — click it to open the raw filing, judgment or bureau line it came from.
- ✓Live section status while agents run
- ✓Citation gate: uncited claims never ship
- ✓Annexures with the raw evidence set
Report canvas · section
Human-in-the-loop review
AI drafts; your credit committee decides. Reports move Draft → In review → Final. Pillar overrides require a written reason and land in an immutable audit trail alongside every agent action.
- ✓Score overrides with mandatory rationale
- ✓Immutable, exportable audit trail
- ✓Four-eyes finalize flow
Override pillar
Ask this report
A grounded copilot on every finished report. It answers only from the report and its evidence — across reports too, when you ask for comparisons.
- ✓Citation-grounded answers, zero hallucination policy
- ✓Cross-report comparisons
- ✓Ready for committee Q&A
Ask this report
Continuous monitoring
Diligence doesn't end at disbursal. Watchlisted subjects are swept on schedule for GST lapses, NCLT petitions and rating actions — alerts hit your inbox and your webhooks.
- ✓Daily/weekly sweeps at 0.1 credit per subject
- ✓Severity-ranked alert inbox
- ✓Targeted refresh of a single section
Alert inbox
API & webhooks
Run Proczo headless from your LOS or ERP. Idempotent report creation, HMAC-signed events, org-scoped API keys.
- ✓REST API with idempotency keys
- ✓Events: report.completed · report.finalized · monitoring.alert · credits.low
- ✓Signed with x-diligence-signature (HMAC-SHA256)
# create a report from your LOS curl -X POST /api/reports \ -H "Authorization: Bearer $API_KEY" \ -H "Idempotency-Key: los-84721" \ -d '{"gstin":"20AARFV6973C1ZY", "sections":"all"}' # → 202 { "humanId": "MCD-2026-000041", # "state": "generating" }