DigiFi

The origination platform runs on configuration rather than models: workflows, rules, formulas, scorecards and data integrations decide and route applications, and no code control is the core of what DigiFi sells. The agent works on top, completing document and data tasks inside applications and drawing on metered AI credits.

Two modes set the control. In guided mode the agent asks the user to confirm or decline certain updates and pauses for guidance when instructions are unclear, critical data is missing or business judgment is needed. Automatic mode, the default, carries out every instruction in a task without confirmation and can be triggered from automated workflows, with each action logged, marked in the application history and kept as a complete execution history.

In both modes the agent acts within the permissions of the user it works for and stops when a document or label its instructions need is missing. Since August 2026 the agent can also be started from outside DigiFi, with one call to the public interface naming the task it should take up.

DigiFi publishes no accuracy figure for the agent's document verification or data extraction. Each agent step is logged as it runs, a document analysis shows the document's name and identifier with its verification result, and every agent update carries its own marker in the application history. On the decisioning side, every change to decision logic is logged and can be tried in a separate testing mode before production.

Sparrow is named, and its cofounder Evan Feldman says DigiFi lets it change underwriting quickly, adjust its application flow, open new origination channels and add data sources, alongside figures of 50 percent annual origination growth, 95 percent of decisions automated and 70 percent shorter time to market. The figures describe decisioning and configuration on the platform rather than the AI agent.

Whether lender data trains any model, how one lender's data is kept apart for the agent and what the model provider retains are not stated. The agent works under the same permissions as the user running it, so it cannot reach data that user cannot see, and files are compressed before they go to the underlying models.

Applicant data collected through the service is the subscriber's responsibility, with each subscriber setting its own privacy policies and handling its own compliance, and DigiFi sets out no Gramm Leach Bliley Act alignment, retention term or subprocessor list for it. Data may be stored and processed in the United States or any country where DigiFi or its service providers keep facilities, which private hosting in a chosen region can narrow.

A regular third party audit has produced a System and Organization Controls (SOC) 2 Type II report since 2020, from an auditor that goes unnamed and with no trust portal for the report, and the company reports no data security incidents since inception. Platform controls include single sign on, two factor authentication, permission groups down to individual data items, a change history of who changed what and when, and a testing mode kept apart from production.

DigiFi states no license or examination of its own. Compliance sits in the configuration: lenders manage legal documents, calculations and permissions through compliance logic they control, and test changes in a testing mode before deploying them to production.

The decision engine assesses creditworthiness and sets pricing with lender built rules, scorecards and models, and the agent works inside underwriting tasks, verifying documents, extracting data, running calculations and setting a task to failed or done, automatically by default. Nothing addresses fair lending, disparate impact or adverse action for either, and no bias evaluation or governance process is named for the agent. The change log and testing mode govern changes to decision logic, which is configuration control rather than bias governance.

DigiFi publishes no accuracy commitment or indemnity for agent output or automated decisions. The application history records every agent update and every change to decision logic, by whom and when, which gives a lender a trail to examine when an outcome is challenged.

The agent runs on generative AI models DigiFi does not name, with file size limits set largely by those underlying models, and no subprocessor list is published. Amazon Web Services is named only as the host for private hosting regions, which shows where the platform can run rather than which models it uses.

Core and servicing integrations work at the level of individual actions: Jack Henry Symitar for creating borrower accounts, loans and loan applications, Mambu for creating and approving clients and loan accounts, and Finastra LaserPro for importing and updating commercial and consumer loans, with LoanPro and Peach also in the marketplace.

More than 200 partner connections include Equifax, Experian, TransUnion, Plaid, LexisNexis, SentiLink, Middesk and ComplyAdvantage, and open interfaces, webhooks and a software development kit connect internal systems. Indirect lending arrived in the 12 October 2026 release: dealers on AppOne, which covers recreational vehicle, marine, powersports and independent auto lending, can now send applications straight into DigiFi and receive decisions and funding updates back, and AppOne and Dealertrack sit together in a single aggregator view.

Shared cloud, private cloud and on premises hosting are all offered. Private hosting puts dedicated servers and databases in the buyer's preferred Amazon Web Services region, and the shared service runs across a range of global regions for performance and local compliance, with no downtime deployments and a 99.90 percent uptime guarantee backed by service level agreements. Lenders can also connect directly to their own private database, with business intelligence plugins and streaming to common data lakes, so reporting does not depend on exports.

The full price is public: a platform fee of $3,995 a month includes every module, 10 team members, 3,000 applications and 10,000 AI credits, with $95 a month per extra user, $0.25 per extra application and $0.01 per extra AI credit. Each agent action and document analysis consumes credits, though the number per action is not given. Private hosting, volume tiers and professional services are quoted separately.

Banks, credit unions and fintechs are the named buyers, with a template for each product line: personal loans, credit cards and lines of credit, auto, solar and home improvement financing, home equity and mortgage lending, small business and commercial loans and merchant cash advance, and on the deposit side checking, savings, business, health savings, retirement and brokerage accounts.

Lenders outside the United States are served too, with regional localization and portals in 15 languages. Indirect lenders are a newer segment, with dealer applications for recreational vehicle, marine, powersports and independent auto loans arriving through AppOne and Dealertrack.