Tree Coin: a secure, agent-led loan management platform
We replaced paper-based loan handling with a role-based Android and web platform where organizations manage agents and loan products, agents onboard customers and submit applications, and every loan is tracked to approval, delivered in three phases.
- Client
- Mr. Nadish Vyas
- Timeline
- Aug 2025 – May 2026 · Phases 1 to 3
- Team
- 14 people
- Platforms
- Android, Web
Project overview
Tree Coin is a finance service platform that delivers loans through organizations and their field agents. Agents onboard customers and submit loan applications, while the organization manages agents, loan products and approvals.
The platform replaces paper-based loan handling with one role-based digital workflow: onboarding, document upload, application, verification, approval or rejection and status tracking. It was delivered in three phases as a cross-platform Android and web app, and is built to connect later with credit bureaus, banking APIs and analytics.
About the client
Tree Coin follows an agent-led model, with Mr. Nadish Vyas leading the project on the client side. Customers do not sign up themselves. A verified agent, created by the organization, onboards each customer, collects KYC and loan documents, and applies on the customer's behalf.
The vision: make loans accessible through trusted agents while the organization keeps control, compliance and transparency.
What needed solving
- 01
Paper-based loans
Onboarding, KYC checks and document collection were manual, slow and error-prone.
- 02
Little control over agents
Organizations had limited oversight of agent activity, which risked misuse and fraudulent applications.
- 03
Slow approvals
Verifying and approving applications took too long, delaying decisions and disbursement.
- 04
Scattered data
Customer, loan product and application details were spread out, so loan status was hard to track.
- 05
Customers left waiting
Updates on approvals, disbursement and EMI due dates rarely reached customers on time.
What the client asked for
- Role-based platformAdmin and agent logins from one screen. Agents cannot self-register and customers do not log in.
- Agent and customer managementOrganizations create, activate and block agents; agents create customer profiles with ID and photo.
- Loan productsSet up products with interest rate, tenure and eligibility.
- Applications and documentsAgents apply on behalf of customers and upload ID and income proof.
- Approvals and trackingVerification, approval or rejection, disbursement, status and EMI tracking, and reports.
- Security and notificationsRole-based access, AES-256 encryption, RBI Digital Lending Guidelines, SMS and WhatsApp alerts.
How we built it
We worked across three phases between August 2025 and May 2026, each running through requirement gathering, planning, development, testing and deployment. A Business Requirement Document and a Functional Requirement Document defined scope, roles and modules.
Our technical architect also led the project, designing a secure, role-based and scalable foundation. Two business analysts mapped the workflows for login, agent and customer management, loan products and applications.
The designer shaped the login, sign-up, agent and customer onboarding flows. Three Flutter developers built the Android and web apps on Node.js services and a PostgreSQL data layer.
Two QA engineers tested every phase for functionality, role-based access, form validation and reliability, and client feedback after each phase shaped the next one.
The Baap team 14 people
- 7Developers
- 2Business analysts
- 2Quality analysts
- 1Technical architect and project lead
- 1UI/UX designer
- 1Sales executive
Technology
- FlutterOne codebase for the Android and web apps
- Node.jsServer-side operations and business logic
- PostgreSQLLoan, agent and customer data
- AWSHosting, deployment and scalability
- FigmaWireframes and interface design
- GitLabSource control and collaboration
- PostmanAPI testing
Timeline Aug 2025 – May 2026
- 1Phase 1Aug – Nov 2025
2 weeks discovery · 4 weeks planning · 6 weeks development · 2 weeks testing · 2 weeks launch.
- 2Phase 2Dec 2025 – Feb 2026
2 weeks discovery · 2 weeks planning · 4 weeks development · 2 weeks testing · 2 weeks launch.
- 3Phase 3Mar – May 2026
2 weeks discovery · 2 weeks planning · 2 weeks development · 2 weeks testing · 2 weeks launch.
Key deliverables
- Delivered
Authentication and role-based access
A common login with role selection, organization sign-up and admin-created agent logins.
- Delivered
Organization dashboard
Manage agents, loan products and applications from one place.
- Delivered
Agent and customer management
Organizations create agents; agents create customer profiles with contact, ID and photo.
- Delivered
Loan products and applications
Product setup, applications with documents, approval or rejection and status tracking.
- Delivered
UI/UX design and frontend
A consistent Android and web interface with form validation.
- Delivered
Business and functional documentation
BRD and FRD covering scope, modules and workflows.
Inside the product
Organization dashboard: applications, collections and pending verifications
Loan products with an EMI calculator and disbursement report
Customer collection with status at a glance
Agent list
Create a loan product: interest, deductions and repayment
Add a new field agent
Sign-in
Choose business or personal use
What changed
Central control
Organizations manage agents, loan products and every application from one place.
Faster digital applications
Agents submit applications and documents digitally, with no paper forms or re-keying.
Secure role-based access
Separate admin and agent access, with agents created only by the organization.
Transparent tracking
Pending, Approved and Rejected statuses show where every application stands.
Easier onboarding
Validated forms capture customer contact, ID and photo quickly and consistently.
Ready to integrate
A modular base ready for credit bureaus, banking APIs and analytics.
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