Xapii Decide by Tiimely
Simplify Lending Decisioning & Assessments
Powerful, automated, and highly scalable underwriting platform built for lending.
Outcomes
Replace manual assessment workflows
Simplify assessments, improve unit economics, and lower fulfilment costs
100k+ assessments
On average, the Xapii platform automates 100k+ assessments per month across serviceability, financial validation, and other decisioning.1.6m API calls
Australia's largest banks and brands use Xapii to streamline their financial assessments with Xapii's APIs being called 1.6m+ times per month.8x faster application processing
What used to take hours now happens in minutes. Automated data collection and intelligent risk assessment mean faster approvals and happier customers.
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Xapii Decide Popular Features
Automated serviceability decisioning powered by your data
Everything you want in a decisioning platform, and beyond
Data Ingestion & Enrichment
Every document type, automatically processed
Upload bank statements, tax returns, or payslips - Xapii extracts and verifies all the data your underwriters need in seconds.
Whether customers upload documents, connect via Open Banking, or provide account data directly, Xapii automatically categorises and verifies every piece of financial information. No more manual data entry or chasing missing paperwork.
Assessment
Your lending criteria, automatically applied
Configure your exact lending standards - income thresholds, debt ratios, employment requirements - and Xapii applies them consistently to every application. No more inconsistent decisions.
Get instant decisions you can trust, or review flagged cases that need human judgment. You stay in control while automation handles the routine work.
Full Customer Journey
Serviceability and affordability in one view
Get complete serviceability and affordability assessments that show where each customer stands financially. See their true capacity across income, expenses, and existing obligations in one comprehensive view.
All assessments are fully documented and auditable, ensuring each decision is transparent and traceable for regulatory requirements and customer inquiries.
Turn more visitors Into approved borrowers
Embed interactive calculators and instant pre-qualification tools directly into your website. Let customers see their borrowing capacity immediately, then seamlessly move them into your full application process.
Increase distribution channel revenue
Grow volumes by filling your funnel with quality leads aided by tools to help customers navigate their borrowing journey
Reduce customer drop off
Optimise conversion by supporting customers on their credit journey and guide them through to deal readiness for increased conversion certainty
Reduce cost to serve
Allow Xapii’s automated serviceability and policy checks to validate and nurture customers towards deal readiness cost effectively
Streamline Processes
Launch in weeks not months with Xapii
Powered by APIs
Our team have taken meticulous care to design APIs that can be integrated into your existing architecture with ease.Seamless integrations
Integrate with Australia’s most trusted data sources and global CRMs, like HubSpot, for fast and accurate serviceability assessment.Data & expandable AI
Our team have taken meticulous care to design APIs that can be integrated into your existing architecture with ease.Fully configurable
Configure your credit risk appetite and automate the assessment of 100s of policy rules.
Security and Encryption
Bank-level security and encryption
At Tiimely, we take security seriously. We are SOC2 compliant, ISO certified, have embedded digital compliance and are CDR and ADR accredited.
Tiimely Customers
Why businesses use Tiimely
Get In Contact
Find out how Xapii can help you automate and scale
Speak with one of our experts who will walk you through the platform, answer your questions, and identify the right solution for your business needs.