The operating system for licensed lenders.
Origination, servicing, analytics, and marketplace access — one platform for every participating licensed lender. Referrals move only with recorded customer authorization, and every partner sees only their own customers, applications, portfolios, and employees.
See every application in one queue with AI-scored risk, LTV, and next-step recommendations.
Automated vehicle valuation, LTV modeling, and risk scoring — with a clear explainable summary for every decision.
Live weighted APR, delinquency, LTV distribution, charge-off and payment performance across your book.
30/60/90 delinquency buckets, servicing status, cash position, and exportable reporting.
Encrypted in-portal messaging with document requests, e-sign, and audit trail.
Refer opportunities you can't fund to other participating lenders — only after required customer authorization.
Become a participating lender
X Título is a fintech platform. X Título is not a bank and does not originate loans. Participating lenders retain full underwriting authority and legal responsibility for origination. To explore participation, contact us through the channels published on this site.