# Tree Coin: a secure, agent-led loan management platform

Case study · Mr. Nadish Vyas · Financial services · Aug 2025 – May 2026 · 14 people

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.

- 3: phases delivered in 10 months
- 15,000+: concurrent users designed for
- 14: person cross-functional team

## 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.

### The challenge

- **Paper-based loans**: Onboarding, KYC checks and document collection were manual, slow and error-prone.
- **Little control over agents**: Organizations had limited oversight of agent activity, which risked misuse and fraudulent applications.
- **Slow approvals**: Verifying and approving applications took too long, delaying decisions and disbursement.
- **Scattered data**: Customer, loan product and application details were spread out, so loan status was hard to track.
- **Customers left waiting**: Updates on approvals, disbursement and EMI due dates rarely reached customers on time.

### Our approach

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.

### Technology

- **Flutter**: One codebase for the Android and web apps
- **Node.js**: Server-side operations and business logic
- **PostgreSQL**: Loan, agent and customer data
- **AWS**: Hosting, deployment and scalability
- **Figma**: Wireframes and interface design
- **GitLab**: Source control and collaboration
- **Postman**: API testing

### What we built

- **Authentication and role-based access** (Delivered): A common login with role selection, organization sign-up and admin-created agent logins.
- **Organization dashboard** (Delivered): Manage agents, loan products and applications from one place.
- **Agent and customer management** (Delivered): Organizations create agents; agents create customer profiles with contact, ID and photo.
- **Loan products and applications** (Delivered): Product setup, applications with documents, approval or rejection and status tracking.
- **UI/UX design and frontend** (Delivered): A consistent Android and web interface with form validation.
- **Business and functional documentation** (Delivered): BRD and FRD covering scope, modules and workflows.

### Impact

- **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.

Source: https://baapcompany.com/case-studies/tree-coin-loan-management-platform/