A financing orchestration layer between merchants and regulated partners
Fidavio coordinates the customer experience, application workflow, and partner routing so merchants can deliver financing without taking on responsibilities reserved for regulated institutions.
A platform layer between merchants and regulated financing partners
Fidavio is a financing orchestration layer. Merchants own more of the customer experience and application workflow while regulated banks, lenders, and financing partners provide the lending infrastructure.
- Customer relationship
- Point-of-sale experience
- Product sale
- Customer acquisition
- Front-end engagement
- Merchant-side support
- Financing workflow
- Application orchestration
- Data capture
- Partner routing
- Reporting
- Customer communication support
- Platform operations
- Compliance coordination
- Lender-of-record role, where applicable
- Credit policy
- Underwriting authority
- Origination
- Funding or funding coordination
- Compliance oversight
- Servicing requirements, where applicable
Note: Final program structure, partner responsibilities, licensing requirements, and compliance obligations would be defined with qualified banking, legal, regulatory, and lending partners.
A clearer embedded-finance workflow
Customer chooses financing
At checkout, the customer is presented with financing options inside the merchant experience.
Application data is captured
Fidavio runs a structured application workflow and collects required information with appropriate consent.
Application is routed
Applications are routed to qualified bank, lender, or financing partners under the agreed program structure.
Partner applies credit policy
The regulated partner applies its underwriting criteria, credit policy, compliance requirements, and approval standards.
Purchase is completed
If approved and accepted by the customer, financing helps complete the purchase through the merchant.
Servicing and reporting
Servicing, payments, reporting, and customer support responsibilities are assigned based on the partner structure.
Separating platform, bank, servicing, and funding responsibilities
A sustainable financing program requires clear separation of responsibilities across the merchant, platform, bank, servicer, and capital provider.
| Responsibility | Merchant | Fidavio | Bank / Lender | Servicer | Funding Partner |
|---|---|---|---|---|---|
| Customer acquisition | |||||
| Checkout experience | |||||
| Application intake | |||||
| Identity verification | |||||
| Credit policy | |||||
| Underwriting decision | |||||
| Loan origination | |||||
| Funding | |||||
| Loan ownership | |||||
| Servicing | |||||
| Collections | |||||
| Complaints | |||||
| Compliance monitoring | |||||
| Reporting |
Illustrative only. Final responsibility allocation depends on approved program structure.