LiveCross-source evidence intelligence · Built for BFSI

Every source tells a different story. Darwix shows you what's true.

Darwix reads documents, systems, ledgers and conversations to build one grounded case. It explains why sources differ, finds what's missing and links every finding to its proof.

Outstanding principal · 5 sources
Loan tape31 Aug₹18.42L
Statement of account15 Sep₹18.07L
Repayment ledger02 Sep₹35,000 recovery
LMS snapshot15 Sep₹18.07L
Darwix answerReconciling…Reading sourcesComparing 0 of 4 sources by date, definition and events.
Every finding traceable to page, row or timestamp
Source, evidence-supported and adopted values kept separate
Not every difference is a conflict
Reviewer owns the decision

Reading the document was never the hard part.

The real work is knowing which source to trust, and why.

Loan tape₹18.42L outstanding
Statement of account₹18.07L
ProposalNon-smoker
Tele-medical callCurrent smoker
ApplicationNo existing loans
Bank statementEMI debit

Each source is valid on its own. Together they don't agree, and someone has to work out why, usually across spreadsheets, PDFs and email chains, with nothing to prove which value the final decision relied on.

  1. 01Reviewers rebuild the case by hand in spreadsheets, hunting for what changed.
  2. 02Real conflicts hide among differences that are just timing, definitions or newer events.
  3. 03Decisions can't be explained later: which source, which date, which value, which reviewer?

From scattered sources to one clear case.

Eight steps from raw files to a case ready for review.

Step 01IngestDocuments, tapes, statements, ledgers, system records and conversations enter through APIs, uploads, SFTP, DMS or LOS/LMS integrations, each tied to its case.

See the tape meet the truth.

A retail secured loan under diligence. Select a row to see its sources and the finding. Synthetic data.

FieldSeller tapeLoan agreementSOALedgerProperty docsValuationLegal reportCollection notes
What the sources sayTape ₹24.8L (31 Aug). SOA ₹24.1L (15 Sep). Ledger shows ₹70,000 recovery on 28 Aug.
Darwix findingStale / Newer
Difference explained by a later event. Evidence-supported value: ₹24.1L. Not a "₹70,000 mismatch."
Speaks to this fieldDisagrees with tapeNot relevant

Understand a difference before you judge it.

Most tools flag every mismatch. Darwix understands dates, definitions and events, so reviewers see what a difference means.

MeaningIncompatible values for the same fact and time
ExampleProposal says non-smoker; call says current smoker

Every finding, one click from its proof.

Every value traces back to its source: document, page, row, ledger entry, timestamp or reviewer action.

Premium Payment Term ConflictConflict · High
Status: Review required
Evidence viewer · Customer statement · verification video · Timestamp 04:18
04:18 Customer: “Mujhe bataya gaya tha ki premium sirf das saal dena hai.”

Received, supported, accepted. Each one kept.

A seller gives one value, diligence finds another and a reviewer adopts a third. Darwix keeps all three.

Source value₹72LSeller · kept in history
→
Evidence-supported value₹64LNew valuation · Valuation Report p.17
→
Adopted value₹64LReason: latest independent valuation · effective 18 Sep

Property market value · adopted for “latest independent valuation”, effective 18 Sep, evidence Valuation Report p.17. The ₹72L stays in the history.

What people said, checked against what the file shows.

Darwix adds what customers said, in PDs, video verifications, consultations and calls, and compares it with the file.

Sources compared
ApplicationNo existing loans
Bank statementRecurring ₹18,500 debit
PD conversationBorrower confirms a car EMI
Darwix
Finding raised0 of 3 sources
Undeclared Obligation, supported by three sources.
Evidence strength0%
Every source linked to the finding

The biggest finding is often what's missing.

Gaps, stale records and absent documents are surfaced as findings.

MissingCompares the case against your configured evidence requirements.Security document referenced in seller tape but not receivedMedical report advised but not on fileLedger doesn't cover the required period
StaleDetects outdated snapshots and old valuations against your freshness rules.Valuation older than the configured limitLegal status predates a later event
Newly discoveredSurfaces facts absent from the source data.Undisclosed medical conditionAdditional loanNew legal proceedingExtra co-ownerUnrecorded recovery paymentChanged nominee
Quality checks: missing pages, unreadable scans, duplicate files, conflicting versions, broken date sequences and incomplete annexures are flagged before anyone relies on the data.

From every field to the few that matter.

Materiality and confidence decide where reviewers look first.

FIN-DUE-0048Critical conflict
Finding IDFIN-DUE-0048
CategoryOutstanding balance
ClassificationCritical conflict
Seller value₹23.8 lakh
Evidence-supported value₹19.6 lakh
Primary evidenceSOA + LMS snapshot
Confidence0.96
StatusReview required
Confidence0.96
Confidence, explainedNot one opaque score. Low-confidence evidence goes to a reviewer instead of being treated as fact.
Extraction quality
Source agreement
Freshness
Completeness
Rule certainty
Severity reflects
Financial impactUnderwriting relevanceLegal relevanceCollateral impactCompliance relevanceEvidence incompleteness

When evidence falls short, ask, and keep the answer.

Queries go to the right source, and every reply joins the trail.

01
Structured clarificationNot an email chain. Each request carries the finding, both values, the exact source references, what's needed and a due date, routed to the seller, borrower, customer, agent, underwriter, legal, valuation or field team.
02
Response becomes evidenceThe reply or new document is ingested, linked to the finding, and only the affected fields are re-processed. Previous results are preserved.
03
Reviewer resolutionAccept the source value · accept the evidence-supported value · adopt another supported value · mark contextual · request more evidence · escalate · defer. Each logs the reviewer, reason and evidence.
04
Selective reprocessingA new valuation report updates property value and related findings without rebuilding the medical, KYC or servicing evidence.

One view of the truth. One pack that proves it.

A single case view and an audit-ready pack for every decision.

a · Case 360Borrower, account, policy or asset 360 showing latest evidence-supported values next to original source values and adopted values, open and resolved findings, missing evidence, confidence and material changes.
b · Review-ready gateDoes the case have enough evidence to move forward?Don't confuse document receipt with decision readiness.
c · Evidence pack
▾ evidence-pack/Source indexDocument inventoryCanonical field viewDiscrepancy registerMissing-evidence registerEvidence snippets with anchorsClarification historyReviewer resolutionsAdopted-value change logAudit timeline

Clear rules for clear questions.

Rules handle dates, balances and thresholds. AI handles meaning.

Tape · 31 Aug+Recovery ₹50,000 · 10 Sep+SOA · 15 Sep=Subsequent servicing event
DOCUMENT AIOCR and document AI
LANGUAGE MODELSSemantic comparison and entity resolution
DETERMINISTIC RULESCalculations, dates, thresholds and source hierarchy

Built for cases where evidence conflicts.

Diligence, underwriting, claims and verification across BFSI.

Sources reconciled
Seller tapeSanction documentsLoan agreementSOALedgerSecurity and valuation documentsLegal and recovery records
ExampleTape shows ₹85L market value; latest valuation shows ₹69L→ Stale / Newer Valuation, material impact.

Your framework. Our intelligence.

Your policies define what counts as a finding.

Try it: numeric tolerance for this portfolio₹1,500
A ₹1,000 difference between tape and SOAWithin tolerance · passes through
Canonical fieldsSource hierarchyMandatory documentsFreshness limitsMateriality and numeric tolerancesDate tolerancesConfidence thresholdsSeverity logicRules by product or portfolioReview and escalation pathsClarification templatesAdopted-value permissionsReadiness rulesWorkflow actions

Judgment stays with your people.

Darwix prepares the evidence. Reviewers make the call.

Darwix doesPrepares the evidence
Ingests, extracts and normalises
Reconciles and classifies differences
Finds missing, stale and new evidence
Ranks and explains findings
Links each finding to proof
Drafts clarification requests
Reprocesses when new evidence arrives
Prepares summaries and triggers approved workflows
Review
Authorised reviewers controlMake every accountable call
Acceptance of material evidence
Exception resolution and source override
Adopted values
Underwriting and credit judgment
Legal interpretation
Claim decisions
Acquisition or investment decisions
Policy deviations and final accountable action
The platform does not autonomously sanction credit, issue or decline a policy, approve a claim, decide an acquisition or make a legal determination.

Works with your systems. Keeps evidence secure.

Connects to your data rooms and core systems under strict controls.

Connected systemsSyncing
LOS
LMS
CRM
Policy admin
Underwriting
Claims
DMS
Collections and recovery
Legal case management
Seller data rooms
Valuation and KYC systems
Data warehouse and lake
Workflow engines
External data providers
A finding can trigger workEvents
Missing documentRequest and owner
Medical conflictMedical underwriting
Stale valuationRefresh request
Seller differenceSeller clarification
Case readyNext review or committee workflow
Need-based and role-based accessDocuments, medical and financial findings restricted by role
PII protectionConfigurable masking and redaction
Source integritySource identity and version preserved
Full audit trailExtraction, rule and model versions, findings, clarifications, reviewer actions and write-backs
Controlled write-backDefine which values return to which systems and when approval is required
Encryption, residency and retentionOn-prem, VPC or cloud, per enterprise policy
SOC 2 Type IIISO 27001Compliance

Less searching. More deciding.

Reviewers spend their time on judgment, not reconciliation.

01End manual reconciliationNo more spreadsheets built to compare sources
02Focus review timeMaterial findings to people, consistent evidence passes through
03Stop chasing false alarmsTiming and definition differences are classified, not flagged as errors
04Surface hidden factsWhat the source data never contained
05Cut clarification cyclesPrecise, evidence-linked requests replace vague follow-ups
06Align teamsUnderwriting, credit, legal, claims and diligence share one evidence state
07Defend every decisionSource, rule, reviewer and adopted value all on record

Operational visibility: Conflicts per case, missing-evidence and stale-data rates, clarification turnaround, cases blocked and time to review-ready, to show where evidence quality creates delay.

Beyond document AI. Evidence you can decide on.

What makes Evidence Intelligence different.

Cross-sourceNot one document at a time
Context-awareDifferences classified
Evidence-firstProof before conclusion
Provenance-awareEvery value keeps its path
Resolution-awareClarify, resolve, adopt
Conversation-nativeCalls and PDs as evidence
Rules + AIEach where it belongs
Human-controlled and audit-readyReviewer owns the decision
Get Started

Request a
Personalized
Demo

Experience the power of agent-led AI. Fill out the form, and we'll show you how Darwix AI can scale your operations and level up your customer conversations.

Customized walkthrough of features
Pricing discussion for your scale
Strategy session with our AI experts

By clicking, you agree to our Terms of Service and Privacy Policy.