Open Banking

We use Open Banking technology provided by a licensed 3rd party provider to help us avoid fraudulent applications, scammers or people stealing your identity and ruining your credit score and reputation by taking out loans in your name. Open Banking speeds up the entire customer data verification process, so that iPera can be a truly automated lending solution.

The faster we work, the faster you get your money and this means we can approve you in real time and transfer the funds to your account in minutes.


We Verify:

  • Your name, so your money gets transferred to the right person
  • Your bank information, so your money goes to the correct bank account immediately
  • Income and affordability to ensure you can afford your loan repayments

Open Banking is safe, confidential and 100% secure

  • The company we use to access your bank does not let us see your password or log in details
  • We can only be provided with your bank statements when you authorize us, it is a one-time permission
  • We only use your bank statements for application processing and data verification
  • Our provider is regulated by ISO 20071 standards. 100% GDPR and Banko Central Compliant
  • You grant read-only access to your bank statements, we cannot control or change anything in your accounts

For more information and answers to more questions, please visit our FAQs page

Fast & Convenient

Apply anytime, from anywhere, 24/7

Clear & Transparent

No hidden fees, ever. That’s our promise

We Care

Your satisfaction is at the heart of what we do, we will always listen to you

Totally Secure

We are regulated by the SEC and adhere to all Data Protection Regulations

Fastest Lender in the Philippines. Decision in seconds. Money in your bank in minutes.*Terms & conditions apply