01 · Platform · Loan management
TS LMS
Loan management for lenders, from application to collections, with dual control on key actions such as credit approval, repayment recording and waivers, and an audit trail at every step.
- Underwriting
- Credit scoring with bring-your-own-model; no-code policy editor
- Controls
- Dual control on key actions such as credit approval, repayment recording and waivers; an audit trail at every step
- Screening
- AML/CFT and PEP screening
- Audit
- Append-only log linked by a SHA-256 hash chain
- Servicing
- Schedules, delinquency, and loan disbursement, payment matching and reconciliation via bank API
02 · Platform · Earned wage access
TS HRM + EWA
Get paid for the days you've worked, before payday. Earned wage access (EWA), integrated with the employer. Staff draw on wages they have already earned, calculated from attendance and confirmed payroll. HR, payroll and tax filings sit on the same platform.
- Advances
- Within wages already earned this month, under a company cap
- Approval
- A manager approves in Telegram; no one approves their own
- Payroll
- From approved attendance; finalised months stay fixed
- Filings
- NSSF, Tax on Salary and payroll ledger for Cambodia
- Channels
- Telegram bot and mini app for staff; web portal for HR
03 · General ledger
TS Accounting
The general ledger that will connect with TS HRM + EWA and TS LMS (automatic journals planned): double-entry books that cannot be quietly changed, with tax returns for each country (currently Cambodia), bank-statement import and a move from your current software.
- Balance
- Debits equal credits, checked by the database
- Corrections
- Nothing posted is edited or deleted; corrections are reversals
- Closing
- Month and year-end close; a closed year never opens again
- Filings
- Tax returns for each country (currently Cambodia: GDT monthly tax on salary, withholding tax and VAT)
- Migration
- ABA statement import; move from your current software side by side
