Members
A profile for each member with their identity verification, accounts, contributions and loans.
BankIA / Platforms / CooperativIA
CooperativIA
For savings and credit cooperatives, funds and associationsYour cooperative, with a clear loan portfolio and the rules in place.
CooperativIA manages contributions, loans, amortization and overdue payments for all members, checks the rate against the current usury rate and gives each member their account statement. With your cooperative’s name, colors and vocabulary.
- Full white label
- Usury cap validated
- Every transaction audited
- Dedicated instance
Coop. El Progreso · Loan portfolio
142 members · 37 active loans
María Gómez
Carlos Ruiz
Configured rate
Loan portfolio up to date
88 %
125 current · 17 overdue
Illustrative example with fictitious data.
What your cooperative manages, in one place
CooperativIA shares a technology base with BankIA: what works in one works in the other, with cooperative vocabulary and rules.
Contributions
Record of contributions by member, with date, receipt and an always up-to-date account statement.
Loans and amortization
Principal, term and rate per loan, with an installment schedule (principal, interest and balance) and payments applied with exact decimal arithmetic.
usury cap
For loans in pesos, the platform checks the rate against the current usury rate and does not allow one above it to be registered.
Overdue payments and follow-up
Who is current, who is overdue and how much they owe, with notices and the status of each loan.
Loan portfolio at a glance
Total loaned out, current, overdue and coming due: the dashboard the assembly wants to see.
Account statements and certificates
Each member sees and downloads their transactions, statements and certificates.
Console with dual control
Roles and permissions, approvals with dual control, and an audit trail of every administrative action.
Languages and accessibility
Spanish, English, Portuguese and Quebec French; dark mode; AA contrast and keyboard navigation.
From application to the final installment
The same flow, with every step recorded.
- 1
Application
The member requests the loan: amount, term and purpose.
- 2
Credit analysis and approval
The cooperative decides. The platform records who approved, when and under what conditions.
- 3
Validated rate
The rate is compared with the current usury rate before the loan is created.
- 4
Disbursement and installments
The amortization schedule and due-date notices are generated.
- 5
Payments and overdue status
Each payment is applied under clear rules and overdue amounts stay in plain sight.
A platform that speaks like your cooperative
The name, logo, colors and vocabulary change. The code and updates are the same for everyone.
Identity
Name, logo, colors and text of emails and documents with your brand.
Vocabulary
Member, contributions, installment: the platform uses your words, not a bank’s.
Dedicated instance
Own domain, separate database and scheduled tasks; your cooperative’s data is not mixed with anyone else’s.
Explainable loan portfolio, not black boxes
Today CooperativIA helps with clear rules. Generative AI will arrive with limits, evidence and human decision.
TodayWhat it does today
- Due-date and overdue notices. They are generated by rules, only once per situation.
- Usury validation. Each rate is compared with the current one from the official source.
- Explainable suggestions. Thinking of you proposes actions with their reasoning, and they can be dismissed.
Coming soonWhat’s coming
- Credit analysis with DatIA Recaudo. Document analysis to support the committee’s decision.
- Loan portfolio risk alerts. Early warning signs of deterioration by member and by segment.
- Loan portfolio report for the assembly. Plain-language summary with the figures for the period.
In CooperativIA, AI never approves a loan: the cooperative’s committee decides.
What CooperativIA does not do
Saying it plainly is part of selling it well.
- It does not hold members’ money. Contributions go to the cooperative’s accounts.
- It does not decide who gets a loan. The cooperative decides; CooperativIA records what was decided.
- It is not a supervised institution and does not replace the cooperative’s compliance. The cooperative answers to its supervisor for whatever regulation applies to it.
- It does not report to credit bureaus. That integration does not exist yet.
What makes a cooperative different
Membership, share capital and assemblies: the sector-specific features, now available in the demo version.
Share capital contributions and revaluation
A ledger of contributions per member, with entries that are never edited or deleted, a minimum monthly contribution, and an annual revaluation approved by the assembly, truncated to the cent.
Admission fee and membership bond
Application, review, approval and an admission fee with partial payments: the member becomes active once the fee is complete, and everything is kept in the audit log.
Assemblies and voting
Calls with notice to members, attendance, quorum, motions by simple or two-thirds majority, one vote per person, and minutes locked with their SHA-256 fingerprint.
The platform records what is paid to the cooperative; it does not receive or hold money. The quorum, the minimum contribution and the revaluation cap are set by the bylaws: you configure them with your statutory auditor or legal advisor.
Buy the platform with your brand
One-time sale plus a monthly fee for support and updates. Bank and cooperative work the same way: the name, vocabulary, colors and logo change.
CooperativeCOP
Platform sale
$5,900,000
- Support and updates $990,000 /month
- With customization: sale + customization from $1,900,000
BankUSD
Platform sale
$9,999
- Support and updates $999 /month
- With customization: sale + customization from $2,999
Customization: logo, name, vocabulary, colors and your own rules; quoted according to scope. Demo version: the platform does not yet operate with real money.
Frequently asked questions about CooperativIA
Is it the same as BankIA?
They share the same technology base. CooperativIA is the configuration for cooperatives: a different name, a different vocabulary and the sector’s own rules.
Who sets the loan rate?
The cooperative. For loans in pesos, the platform checks that the rate does not exceed the current usury rate.
Can it be used with another currency or in another country?
Yes. There are country packs with currency, legal texts and vocabulary. The automatic usury cap applies to loans in Colombian pesos.
Is my data kept separate?
Yes. Each cooperative has its own instance, domain and database.
Does it operate with real money?
Today it is a demo version. Before operating with real money, the security hardening and the connection to the cooperative’s payment methods are completed.
Does AI decide the loans?
No. The decision always belongs to a person on the committee.
Guides for your cooperative
How to choose software for a cooperative
Ten questions to evaluate any savings and credit cooperative software: exact money, audit, usury, data, branding and limits.
Read the guide →Natillera, cooperative or fund: differences
What sets a natillera, a savings and credit cooperative and an employee fund apart in Colombia, and which one fits depending on who you are.
Read the guide →Usury rate in Colombia: what it is and how it is calculated
The usury rate is the legal interest cap in Colombia: 1.5 times the current bank interest rate. What it is, who certifies it and where to see the current one.
Read the guide →See CooperativIA with your cooperative’s brand.
We show it to you running with your name, your colors and your vocabulary.