INTRO

Repayment Accountability, Without the Chase

Lock and unlock financed devices based on real-time payment status. No calls, no field visits, no waiting around for a borrower to pick up. The technology that lets a business restrict access to a financed smartphone the moment a payment's missed — a practical, scalable way to keep repayment discipline across a portfolio instead of just hoping people pay because they're decent.

Remote device locking on EMI default
THE PROBLEM

No Leverage Means More Defaults

Devices stay fully functional long after payments stop
Collections limited to calls and messages — no actual leverage
Recovery takes real effort for an uncertain outcome
Losses pile up from defaults that were preventable
THE SOLUTION

Control From Anywhere, on Every Device

Instant locking on default — remotely and immediately
Automatic reinstatement once the balance clears
Control through API or dashboard, whichever your team already uses
Policies configured to match your own repayment schedules
HOW IT WORKS

How It Runs

01

Device Enrollment

Onboarded via SDK or API at the point of financing. One IMEI-linked record from checkout to loan closure.

02

Policy Setup

Define exactly when locking triggers — your rules, not some generic default. Grace days, thresholds, escalation stages configured per your policy.

03

Payment Monitoring

Repayment status tracked continuously, in real time. Rules engine decisions based on current facts, not last night's batch file.

04

Lock Command Execution

Threshold breached, device locks remotely and immediately. Offline lock execution — command waits until the device is back online.

05

Unlock on Payment

Access restores the moment the balance is confirmed. Automatic — no manual step needed.

How remote device locking works, step by step
KEY CAPABILITIES

Core Capabilities Of The Platform

Real-time remote locking & unlocking
API-based device control
Dashboard-based portfolio management
Configurable lock rules and thresholds
Works across multiple geographies
Offline lock execution support
Real-time device and payment status for every financed device

WHY CHOOSE US

Built For Scale, Designed For Control

  • ✔ Real-time device locking infrastructure — actually real-time, not real-time with an asterisk
  • ✔ API-first architecture for easy integration — takes days, not a quarter
  • ✔ Scalable for global operations — built that way from the start
  • ✔ Secure and compliant — the boring stuff that actually matters when someone asks for it
  • ✔ Proven impact on reducing defaults and improving recovery across the portfolio

— USE CASES —

Built For Real Business Challenges

👥
Reduce Loan Defaults :

Takes the outcome out of the borrower's hands entirely. A practical, scalable way to keep repayment discipline across a portfolio instead of just hoping people pay.

📊
Improve Collection Efficiency

Lower cost per recovery. Higher overall recovery rates. No calls, no field visits, no waiting around for a borrower to pick up.

📱
Enable Smartphone Financing

Expand access to devices while keeping risk under control — a financing operation that's just more defensible, end to end.

⚙️
Control Financed Devices

Maintain real-time visibility and control over every active device. Policies configured to match your own repayment schedules, not some generic default.

— INDUSTRIES

Who We Serve

✔
Telecom Operators :

Scale device financing programs without the default rate scaling right alongside it. Risk controls in from day one.

✔
NBFCs & Lenders :

Lower exposure, push repayment up — without adding to the collections headcount. Reduce credit risk and improve repayment rates.

✔
Fintech Companies :

Enable embedded device financing with secure infrastructure — a device control layer without building your own OEM relationships.

✔
Retailers & Distributors :

Offer financing confidently and stop thinking about the handset the second it leaves the counter.

Early warning before an account is locked

Frequently Asked Questions

Common questions from lenders, telecoms, and retailers evaluating remote device locking.

In real time — as soon as the trigger condition is met. If the device is offline when the lock command fires, it queues and executes the moment the device reconnects to the network.
No. The mechanism operates below the level where user-side circumvention is possible. Reset protection and fraud signals reduce bypass attempts before they impact the portfolio.
Can be configured that way — unlocks automatically once payment's confirmed, no manual step needed. Typically within seconds of the payment gateway sending the confirmation event.
Yes — REST API and Android SDK, built to fit into existing lending and operational stacks rather than replace them. Integration takes days, not a quarter.

Control Devices, Anytime, Anywhere

Enforce repayment. Protect your portfolio. Keep operations lean.

Book a Demo