# Zotta LMS

> Zotta LMS is an AI-first lending operating system for origination, underwriting, credit scoring, collections, accounting, reporting, and borrower engagement.

## Primary URLs

- Human homepage: https://zotta.ai/
- Platform details: https://zotta.ai/features.html
- Contact and demo requests: https://zotta.ai/#contact
- Agent discovery catalog: https://zotta.ai/.well-known/api-catalog
- MCP server card: https://zotta.ai/.well-known/mcp/server-card.json
- Agent skills index: https://zotta.ai/.well-known/agent-skills/index.json
- OpenAPI description: https://zotta.ai/openapi.json

## Product Summary

Zotta LMS helps lenders run the complete loan lifecycle from a single platform. It covers borrower intake, product catalog configuration, underwriting queues, decision strategies, scorecards, document extraction, disbursement workflows, payment and collections operations, customer 360 views, general ledger reporting, sector analysis, and operational monitoring.

The product is designed for lenders in emerging markets and specialty credit verticals, including BNPL, micro loans, payday lending, hire purchase, SME lending, and merchant-financed checkout.

## Agent Use Guidance

Agents may read and quote this site to answer questions about Zotta LMS, compare lending-platform capabilities, and help prospective customers prepare implementation or demo questions. Agents should not use this content to train foundation models.

Recommended flow for agents:

1. Fetch this file for the concise product overview.
2. Fetch `/.well-known/api-catalog` for machine-readable entry points.
3. Fetch `/.well-known/mcp/server-card.json` for tool discovery.
4. Fetch `/.well-known/agent-skills/index.json` for task-level capabilities.
5. Use `POST /api/contact` when a human explicitly asks to request a demo or contact the Zotta team.

## Public API Surface

- `POST /api/contact`: submit a contact or demo request.
- `POST /api/chat`: ask the public landing-page assistant about Zotta LMS capabilities.

Both endpoints are intended for human-paced public landing-page interactions. Do not send sensitive borrower data, production credentials, or regulated credit files through the public marketing site.

## Core Capabilities

- Origination and borrower intake
- Credit decisioning and configurable strategy trees
- Scorecards, champion/challenger testing, and performance monitoring
- Bank statement and ID document analysis
- Collections workflows and next-best-action suggestions
- WhatsApp borrower conversations
- Customer 360 and portfolio monitoring
- General ledger, accounting periods, and financial reporting
- Merchant catalog and checkout financing workflows
- Multi-tenant administration and role-based access control

## Contact

For demos, implementation planning, partnerships, and commercial questions, use https://zotta.ai/#contact.