How Billie Loans went live in days, with zero-touch onboarding built on one API.

For a lender built on speed, every manual check is a cost passed on to the customer. Billie Loans built its onboarding to run without one.

At a Glance

• Days from first API call to production
• 1 to 2 people to deliver it, across business and tech
• 1 API for identity verification and AML screening
• Zero human involvement targeted in onboarding

The Customer

Billie Loans, a new LAB Group client, offers small, short-term loans to gig-economy drivers and riders on Uber, DoorDash, DiDi, Amazon Flex and more. Customers chat with Billie, connect their bank account and get cash in minutes. Its promise: "Your money, sooner."

Every Manual Check Is a Cost

Billie is cost-sensitive by design. Low-cost loans are only possible if onboarding runs straight through, with no review queues and no back office. Verification had to pass good customers automatically and return enough detail to assess the rest in code.

Live in Days, with a Team of Two

Billie built on LAB Verify using AI-driven development. Clear, well-structured documentation and a real sandbox endpoint meant the build moved fast.

"The ease of integrating. Also the well-structured documentation that made it clear what the structures were. The AI-driven development was streamlined and accelerated due to this."

Rohan Sharp, Co-founder and Chief Architect, Billie Loans

One API, Not a Stack of Backend Providers

LAB Verify gives Billie identity verification and screening through one modern endpoint, so it doesn't have to stitch together several backend data providers.

"Good luck interpreting the interface nuances of the multiple backend providers. The LAB API is a single API that is modern, well documented and easy to use."

Rohan Sharp, Billie Loans

Automated Passes, Failures Handled in Code

Rich, structured results let Billie approve passes automatically and assess failures programmatically. Customers are asked for identity documents only when the journey needs them, so good applicants see no extra friction.

Growth Without Headcount

"Automation, straight-through processing. We can onboard customers without the staffing overhead."

Rohan Sharp, Billie Loans

About LAB Group

LAB Group is an Australian RegTech company specialising in digital onboarding, identity verification and compliance orchestration for regulated industries. Its platform includes LAB Engage, LAB Verify, LAB Portal and LAB Service.

labgroup.com.au

Want onboarding that runs without people? Talk to the LAB Group team.

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