When compliance is manual, risk multiplies.
Complex reporting, siloed systems, regulatory pressure that never eases. Financial firms and fintech startups carry the same weight, whatever their size.

Compliant by construction.
Systems that reduce risk, automate the reporting, and give your customers a digital experience that feels as solid as the institution behind it.
From onboarding to audit.
One record per customer.
- Onboarding
Loan applications, onboarding, eKYC, and signing in one continuous flow, with your licensed eKYC provider connected to it.
Zoho Creator · Zoho Sign - Security
Security that keeps pace as the firm grows.
- Compliance
Compliance automation and audit-ready reports.
- One dashboard
Financial data on one dashboard, so finance and management read the same figures.
What a financial firm runs on.
Onboarding on one customer record across sales, service, and campaigns, so whoever picks up already knows the applicant.
See the platform →Loan and onboarding applications built to your product rules, with identity checks wired to the eKYC provider you are licensed to use. Zoho supplies none for Malaysia, so we connect yours.
See the platform →Agreements signed with the signer verified by email, SMS, or WhatsApp one-time code.
See the platform →Bills and receipts drafted as entries in Zoho Books, matched to their source. Nothing posts until finance approves it. Built and delivered.
See the platform →Built to a published specification.
The bank's own file format, rebuilt inside the ledger
Six payment modes (payroll, GIRO, JomPAY, RENTAS, intrabank, and telegraphic transfer), checked by 43 validators so the bank accepts the file on the first attempt.
Read the build →Self-hosted or Zoho CatalystA signing service for the version that requires one
LHDN's signed submission format: an XAdES signature over canonical JSON carrying three digests, built to run self-hosted or as a Zoho Catalyst function.
Read the build →A defined first engagement. Then it is held.
Compliance & Finance Suite
Zoho Books set up for compliance (SST, tax templates, bank feeds), and the e-Invoice plugin taken through the sandbox to go-live.
See the scope →After go-liveCARE
Guaranteed response times and Zoho-certified support, so the people who built the system stay with it after go-live.
See the plans →The e-Invoice pointThe second ledger
LHDN keeps a record of every validated e-Invoice, and a published framework now tests your books against it.
Read it in In the Loop →Growth shouldn't cost you compliance.
Ooroboros grew from Fintech Rakyat. Serious financial technology has been the foundation from the start.
Tell us what you're building.
Start with the check that is still done by hand.
Or chart your position first, on your own →