CYCLOPS LMS · BY BIEYECYCLOPS

The IT system for financial institutions - end to end

Cyclops LMS takes care of your product's lifecycle end to end: applications, CRM, an advanced risk engine, schedules, vendor APIs, a customer cabinet, repayments, retention and much more. Designed and built by and for an operations and risk manager with over 12 years in the industry. Now it will help you run your whole business.

A new niche in the financing market?

Whether you are launching loans, credit, leasing, BNPL, or maybe financing for phones or aesthetic medicine?

Your product works, but your IT vendor keeps inflating timelines and costs?

Or maybe the first successes have already arrived, but you feel your IT vendor slows you down with long lead times, or every simple configuration change gets quoted at dozens of hours of work?

Need a complete IT solution? - we are here!

Book a demo to see the system in its full glory.

The demo runs on a fully synthetic portfolio (Peru, PEN). Fictional people, real workflows.

You get a system with all the components to cover 100% of your client lifecycle needs:

  • A website with an application form
  • Integrated or external eKYC and AIS tools
  • The comprehensive, fully manageable Furia risk engine
  • A full operations panel (CRM, Product, Underwriting, Collections, Payments, Reporting, Dashboards, Brokers)
  • Advisory on MVP scope, risk setup, fraud prevention, the tool stack, the use of AI - we were doing this before we built this system! We have delivered over 20 products and systems on 4 continents!
  • Predictable pricing, dedicated resources, a working product delivered in a few weeks.

Sample delivery: Peru, payday loans

  • Website with an application form
  • Brokers and lead providers connected
  • Full eKYC with fraud and duplicate detection
  • Device intelligence
  • Velocity data
  • Credit bureau
  • The full system
  • Risk policy implemented
  • UW and DC panels
  • Payment providers, including Direct Debit
  • Retention (limits, risk based pricing, communication)

Implementation cost:

<15,000 EUR

Implementation time:

4-6 weeks

So, shall we get started?

Book a demo

If you are the head of risk / operations - keep scrolling. If you are the CEO - do not waste time - hit the contact button right away, or invite your head of risk to the rest of this page.

Let each of us build the things we do best!

FURIA RISK ENGINE

The integrated Risk Engine keeps an eye on the safety of your money and protects the client from over-indebtedness.

In most systems of this kind the risk engine is a bolted-on checkbox. Here it is the heart of the system: at every stage of the client lifecycle it is put to work, from simple rules to advanced, multi-dimensional scorecards, all the way to retention, live credit-limit calculations and risk-based pricing. Every external source gets clean, readable data parsing, so it becomes a dream workplace for your Risk Manager.

Plug in your own risk engines, or use ours

Plug in your own risk engines (in-house and API), or use ours. Cyclops ships integrated with Furia, a decisioning engine proven on live markets (including Peru, Poland and Brazil). We bring a broad portfolio of already-integrated APIs (eKYC, credit bureau, device intelligence, social intelligence, email servers, payments), including our own in-house solutions. You can arrange that deck 100% your way.

Integrations

We do not force our tools on you: use the ones you like. If you use our tools, you get free API calls and preferential rates. If you want to use your own vendors, ask us about an integration package: we will build selected integrations for you at very preferential prices.

Full project support

We have launched financial products in countries on four continents. Throughout the whole rollout you get the support of an experienced head of risk, operations and customer service: we will advise, suggest and, above all, understand what you need.

One system

Everything a lender needs, already wired together

Six modules, one system of record. No integration project between your CRM, your spreadsheet and your collections tool, it is one product.

Origination and underwriting

Application intake, decision queue, decision reasons, blacklist with bans, term changes and reprocessing. Built around an underwriter's day, not just a form.

Money that reconciles

A chronological valuation engine: schedules, payments with automatic allocation, penalty interest with rate history, balance journal, promises to pay, write-offs. Every cent traceable.

Collections as a process

A case registry that opens and closes itself, a collector's dashboard, scheduled and event-driven reminders, escalations and effectiveness reporting.

Client self-service

A branded cabinet where borrowers check balance and schedule, extend and repay, plus a white-label landing page with a live price calculator.

Analytics built in

Don't want to pay for PowerBI, Tableau, Qlik Sense and a crowd of people who keep building dashboards that answer questions nobody asked? Want control over your portfolio, backed by clean, fully manageable charts? All of it automatically, with alerts, newsletters and one-click PDF report saving? We have that competence! You no longer need to plan a whole separate BI dashboard! We will build it for you!

Multi-tenant from day one Role-based access Full audit trail Two UI layouts: CRM and customer journey Serverless on AWS White-label

What sets us apart

Have you ever run into problems like these?

You have 'momentum', funding, people, and the rollout keeps you waiting 6 months?
How we do it

We will do it in 4 weeks. The business opportunity will not slip away from under your nose.

The rollout was a good deal, but once the database filled up, every single feature, however tiny, gets quoted by IT at 30-200 man-hours?
How we do it

Our catalogue of additional work is simple and transparent. We can even offer a 'fixed price'. Delivering on time will be our worry, not yours.

The vendor shipped an API but 'forgot' to enable protection against duplicated requests? You queried the credit bureau 36x for a thousand clients?
How we do it

We have been there too. It hurt enough that we will never let it happen to you.

You found a good payment processor, you want to plug in a new credit bureau, but the deploy is 3 months away?
How we do it

With us the time from API key to production is a few days for simple integrations, a dozen or so days for big ones (a credit bureau) and a few weeks (not months!) for core ones, e.g. a complete eKYC with ID document, bank account and AML analysis.

You discovered a great new rejection rule, but it is not on the pick list in your risk engine? The ticket will be resolved in 2 weeks, and meanwhile a thousand frauds slip through the sieve?
How we do it

With us, absolutely every piece of information from bureau responses and in the system is at your disposal. What is more, our engine lets you build complex rules (e.g. velocity: 'reject or flag a client who logs in from the same computer but declares a different city of residence', or 'check whether the phone number given is not at the same time another client's secondary number', or even 'check whether the account number on the client's statements does not appear as another client's account number, and reject if that client = bad'). With us everything is as simple as moving blocks around. The complicated rules we will build together FREE OF CHARGE, as part of the consulting package.

Use cases

Tailored to your type of business!

The core is the same everywhere: take applications, decide, track every cent, collect. Cyclops does that core exceptionally well and stays configurable for your product.

Consumer and payday

High volume, small tickets: instant decisions, extensions, penalty logic and collections that keep up.

Business and SME lending

Bigger tickets and longer schedules: manual review workflows, decision reasons, document trail, portfolio view.

Factoring

Advance, fee, settlement: one ledger that always reconciles, with collections when an invoice goes quiet.

Leasing and auto finance

Asset-linked contracts, recurring installments, arrears management and client self-service for every driver.

BNPL and POS finance

Merchant-originated flows and thousands of small loans: automatic decisions, self-service repayment, portfolio analytics.

Vertical finance

Medical, education, green energy, e-mobility: financing embedded in someone else's business, with your brand in front. White-label by design.

Debt purchase and servicing

Portfolios, cases, promises to pay and collection effectiveness in one view.

Where it comes from

Built on real markets, not in a slide deck!

Cyclops grew alongside live lending operations in Peru and Brazil: a real short-term portfolio, real collections pressure, regulator-grade audit traceability. The demo you are clicking is that practice in a nutshell, on fully synthetic data.

Full lifecycle: application to collection
Multi-tenant and white-label from day one
Serverless: infrastructure from tens of dollars a month

Walkthrough

90-second walkthrough

The video is on its way. Meanwhile, the sample demo is one click away, same screens, your pace.

SECURITY

Security is our highest priority

Experience gathered at the Polish credit bureau (Biuro Informacji Kredytowej, BIK S.A.), as well as securing the data of clients securitized by large funds supervised by the Polish financial regulator (KNF), lets us treat the matter with due diligence. Databases are protected in multiple layers and tokenized, and the code undergoes continuous reviews and audits, both human and with adversary-style tools.

  • Multi-layer protection
  • Tokenized data
  • Continuous audits

Talk to us

See what the Cyclops can do for you

Book a 30-minute call: we will walk your scenario, your product, your market, through the live system. No slides.

ARCHITECT

Mateusz Ciechański

In fintech since 2013. After a series of struggles and months lost with IT vendors, I decided to build my own operating system, one that makes it possible to deliver even ambitious business plans and budgets in fintech.