TIMVERO’s cover photo
TIMVERO

TIMVERO

Software Development

Your lending stack, built on an AI-powered Building Platform you actually own

About us

TIMVERO builds timveroOS, a framework-native lending platform for banks and fintechs. timveroOS combines loan origination, decisioning and analytics, and loan servicing in a single extensible system. Built on a production-ready core, the platform allows lenders to adapt workflows, credit logic, and integrations at framework level—without rebuilding core lending functionality. TIMVERO helps financial institutions launch, manage, and scale lending operations while maintaining long-term control over their technology and processes.

Website
http://timvero.com/
Industry
Software Development
Company size
11-50 employees
Headquarters
London
Type
Privately Held
Founded
2021
Specialties
FinTech and Banking

Products

Locations

Employees at TIMVERO

Updates

  • Your loan management software automates 80% of applications. The other 20%? Your best people handle them manually - one by one. That's not a process problem. That's an architecture problem. Most LMS platforms are application-centric: the loan form is the center of the universe, and borrowers, collateral, and guarantors exist as fields attached to it. But underwriting departments don't underwrite forms. They underwrite people and assets. When the system doesn't match reality, the gap becomes manual work. In this video, Dmitriy Wolkenstein walks through how entity-centric architecture in timveroOS Building Platform is designed to close that gap: → Borrower and collateral move through independent parallel flows → Adding collateral mid-process doesn't restart the application → Each participant - borrower, guarantor, co-borrower - has its own data model and flow → Portfolio exposure tracking works automatically across all roles The goal: automate not 80% of your flows - 100% - including the corner cases that currently eat your team's time. https://lnkd.in/dpBrFNfk What does your current system do with the 20%?

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  • TIMVERO reposted this

    I've been thinking a lot about the limitations of BPM-based processes for automating real-world lending operations. Most platforms model lending as a sequence. Step 1, step 2, step 3. The application moves through a pipeline like a package on a conveyor belt. But here's what actually happens inside a deal. A borrower goes through KYC. At the same time, collateral gets appraised. A guarantor submits documents independently. The credit bureau returns a score on its own schedule. None of these things wait for each other. None of them should. The application isn't the process. It's a container. A crutch. The real business logic lives on the participants - the borrower, the guarantor, the collateral, the property. Sequential systems don't see this. They flatten everything into one flow and force parallel things into a line. Conditional systems work differently. Each participant carries its own state. Each state defines what's allowed - not what happens next. A borrower can be "KYC verified" while the collateral is still "pending appraisal." Both are progressing. Neither blocks the other. The "Approve" button? It doesn't appear because we reached step 7 of 9. It appears because every participant met its conditions. Borrower verified. Collateral secured. Guarantor confirmed. Documents complete. That's the shift. From "what step are we on" to "are the conditions met." One compliance check added on Tuesday? Attach one condition to one participant state. No flowchart redrawn. No other process touched. Live before lunch. Sequential processes were designed for factories. Lending isn't a factory. It's a network of independent actors converging on a deal.

  • View organization page for TIMVERO

    1,981 followers

    TIMVERO just built a fully working consumer lending application in 30 minutes. No developer tools. No code written by hand. Just a plain English description of requirements and timveroAI. In the latest demo, CEO Dmitriy Wolkenstein walks through exactly how this works for business leaders who need to build on the timveroOS Building Platform without depending on a developer for every step. Here is what the 30-minute session produced: Loan application form Document collection and generation Credit scoring workflow Pricing engine with configurable offers Approval flow with agreement module This is not a prototype. It is a production-ready assembly built on the same infrastructure that manages $5.5B+ in loan portfolios across 13+ countries. The way it works: timveroAI maps plain language requirements to the platform's building blocks (atoms), proposes an architecture for review, and then builds. Every step is traceable. When information is missing, the AI asks; it does not guess. Implementation time used to be 3–6 months. With timveroAI, it is 2–6 weeks. For a first assembly like this one, it is 30 minutes. Link to the article and video in the first comment 👇

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  • View organization page for TIMVERO

    1,981 followers

    We set a goal last year: make it 10× faster to build and launch on timveroOS. We just published our first overview of how we're getting there and what timveroAI looks like in practice. In the video, our CEO Dmitriy Wolkenstein walks through a live demo. Starting from a basic skeleton application, he describes two new features to add in plain, unstructured language. timveroAI analyzes the current system, asks clarifying questions (good ones), generates an implementation plan, builds the features, runs QA, and updates the project documentation. Total time: under 10 minutes. Equivalent manual effort: 2–4 hours. This is not a prototype. We've tested it internally and with two clients. The 10× acceleration is real. What we showed: → How timveroAI reads and understands a live codebase → How it maps plain-language requirements to building blocks → How it coordinates multiple agents for implementation + testing → How it keeps documentation always current (AI Docs) And where we're going: a fully conversational setup process, no IDE required - where a business leader describes what they want and gets a deployed, customized lending system in return. First video in a series. More to come. Full overview + blog post: https://lnkd.in/dAvy7GsV #LendingTechnology #AI #FinTech #LoanManagement #timveroAI #BuildingPlatform

  • TIMVERO reposted this

    timveroOS 8.1 is out. Two things. The first one you'll notice before anyone tells you about it — a full UI facelift across the platform. Responsive navigation, consolidated filters, always-visible entity actions, cleaner search results, matching modal styles, and a refreshed login page. Eight fixes that compound into a meaningfully smoother workday. The second one is for anyone who's ever had to open a second tab just to see related records in context: Nested Tables are now live on entity pages. Sort, search, expand sub-records inline, save your column layout. The data is right there. No navigation required. #LendingTech #FinTech #LoanManagement #DigitalBanking #timveroOS

  • TIMVERO reposted this

    View profile for Dmitriy Wolkenstein

    TIMVERO4K followers

    🚀 Announcing timveroOS 8.0 - Deploy Your Customized Lending Platform Faster The traditional lending platform deployment timeline just got disrupted. Version 8.0 introduces architecture that takes you from decision to working system in as fast as three business days—fully customized for your credit products and workflows. Key highlights: ✅ Rapid Deployment - Working customized system in 3 business days, not 6 weeks ✅ Payment Hub - Automatic allocation of consolidated payments across multiple loans ✅ Complete Audit Trails - History tracking for regulatory compliance and transparency Financial institutions evaluating lending technology can now pilot faster, launch quicker, and scale without infrastructure complexity. Operations teams get intelligent payment processing that turns 20-minute manual allocations into 2-minute automated workflows. Read the full release notes: https://lnkd.in/dshAAUGd

  • TIMVERO reposted this

    hey all, for a long time, only our customers really understood what we’ve been building at TIMVERO. i wrote this to explain why framework-native platforms are re-emerging — specifically for lending, but i see this trend across other complex industries. this isn’t a war on SaaS or low-/no-code. yet. complexity always wins eventually — the question is whether your system can handle it.

  • TIMVERO reposted this

    The next success story is here — and it highlights a team we genuinely admire: cartiga° They’re redefining what lending in the legal sector can look like, combining deep expertise with fast, sharp execution. 👏 Working with such a driven team makes everything easier, and we’re glad timveroOS could support their pace and help turn their product ideas into reality. Huge thanks to Noah Cutler, Brooke Goldberg Eisenberg, Jeremy Fink, Young Kim! Full story: https://lnkd.in/dvxZ3biJ

  • TIMVERO reposted this

    🚀 We’re excited to announce that timveroOS now features a brand-new “Success Stories” section on our website — showcasing real examples of how we partner with forward-thinking lenders and fintechs to power their growth. ✨ Our first story highlights Finom, one of Europe’s fastest-growing fintechs. Together, we launched a full SME credit product across multiple countries — with banking-grade origination in just 4 months and full servicing 3 months later. A huge shout-out to the Finom team who worked with us - Alexey Goncharenko, Radmila Zinoveva, Andrei Khmelnitski, Anastasia Andreeva for the exceptional collaboration, clarity, and execution. This is exactly the kind of partnership that makes complex things feel simple. Full success story: https://lnkd.in/dK5RT6xq

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