Launch your own
LAS product.
We power the rest.
A complete white-label stack for MFDs, IFAs, wealth firms, brokers and fintechs. Microsite in 10 minutes. SDKs that disappear into your app. APIs that put you in command. Your brand. Your customer. Your spread.
Trusted by India's most ambitious wealth & broking businesses
Built for the entire
wealth distribution stack.
Whether you're a single MFD in Indore or a 300-relationship-manager wealth firm in Mumbai, LAS·OS shapes around you, not the other way around.
Pick your integration depth. Own the experience.
From a no-code microsite that goes live before your coffee gets cold, to a full lender API network, every layer of LAS·OS is modular, brandable, and yours to compose.
10 min
to first loan link
YourWealth Credit
Loan against your MFs.
From 10.49% p.a.
Lark Edge
Product 01
White-label Microsite
Live in 10 minutes. No code.
- Your logo, sub-domain, colours, fonts
- End-to-end customer journey hosted by us
- Branded customer dashboard out of the box
- Zero engineering. Zero hosting. Zero ops.
4 SDKs
iOS · Android · RN · Web
Your App
Hi Aarav 👋
Powered by LAS·OS
₹8,72,000
credit ready
theme="yours"
user={...}
/>
Lark Vault
Product 02
SDK + Admin Portal
Embedded LAS inside your own app.
- iOS, Android, React Native, Web, pick & choose
- Pixel-perfect theming: colours, fonts, radii
- No redirection, never leave your app
- Full admin portal for ops, finance & sub-partners
30+
documented endpoints
LAS·OS
Event stream
▸ loan.disbursed
▸ lien.created
▸ kyc.passed
Your backend
200
OK
✓ signature verified
✓ written to DB
✓ pushed to dashboard
Lark Grid
Product 03
SDK + Data APIs + Admin Portal
Full control over the data layer.
- Stream every event into your backend
- Build your own analytics & CRM dashboards
- Signed webhooks with idempotency & retries
- Realtime portfolio, lien & repayment status
1/5×
the cost of going direct
-H "Authorization: ..."
-d '{ customer, portfolio }'
Lark OS
Product 04
Complete API Suite
Build your own LAS product. End-to-end.
- Multi-lender orchestration in a single call
- KYC, eligibility, e-pledge, disbursal, repayment
- Own UI, own UX, own the brand, top to bottom
- 1/5th the cost of integrating lenders directly
The command center for
Loan Against Securities.
Every product ships with the same Lark Admin Portal, the back-office every wealth and broking business secretly wishes they had built themselves.
Welcome Back, Rohit
Here's your business snapshot for today
Customers logged in today
38
vs yesterday +12%
Eligibilities checked today
54
vs yesterday +8%
Loans completed today
7
vs yesterday +3
Unlock Portfolio Potential
Total Sanctioned
₹2.22 Cr
Total Utilised
₹1.13 Cr
Remaining in OD
₹1.09 Cr
AI-enabled insights
Surface upsell moments, churn risk and portfolio health automatically. The dashboard tells you what to do next, not just what happened.
Set your own ROI & spread
Lark gives you the rails to define interest rate, processing fee and your spread on each loan. Different products for different segments, your call.
Manage your sub-partner network
Onboard RMs, sub-brokers, sub-MFDs. Give them unique tracking links, set base ROI & spread for them, automate payouts down the chain.
Team, roles & permissions
Add sales, ops, finance, each with their own login. Granular permissions so the finance team never sees customer PII and ops never touches payouts.
Your own notification engine
Plug in your own WhatsApp, SMS, email and OTP credentials. Every message that reaches your customer comes from you, never from Lark.
360° customer view
Portfolio, loans, repayments, communication history, lien status, every signal on a single canvas. Built for relationship-led wealth businesses.
Four steps. One afternoon.
A live LAS business.
01
Tell us your shape
MFD, broker, fintech, wealth firm? Pick your integration depth: microsite, SDK, or full APIs.
02
Brand it. Price it.
Upload logo, set colours, choose your sub-domain, define your ROI, spread and PF. We handle the heavy lifting.
03
Onboard your team
Invite sales, ops, finance and sub-partners. Assign roles and permissions. Plug in your own notification credentials.
04
Go live. Stay in command.
Your customers transact. Lark silently orchestrates 12+ lenders. You watch every rupee from a single command center.
An API surface your team
will actually enjoy.
REST APIs with a type-safe React & TypeScript SDK, plus a Flutter SDK for mobile. Sandbox and production environments from day one, on the same rails that move crore-scale wealth every day.
import LoanEligibilitySDK from 'lark-sdk-multi';
// Initialise with your partner credentials
const sdk = new LoanEligibilitySDK({
apiKey: process.env.VITE_SDK_KEY,
apiSecret: process.env.VITE_SDK_SECRET,
phoneNumber: '+919876543210',
environment: 'sandbox'
});
await sdk.initialize({ partnerId: process.env.VITE_PARTNER_ID });
// Subscribe to SDK events, then open the flow
sdk.on('ELIGIBILITY_RESULT', e => console.log(e.data));
sdk.openEligibilityCheck('inline');Endpoint catalogue
SDK v1.0.12/loan-sdk/initSession init/loan-sdk/verify-panPAN + phone check/loan-sdk/fetch-portfolioMF holdings via CAS/loan-sdk/get-offersLender offers/loan-origination/trigger-otp-pledgeCDSL / NSDL lien/loan-management/create-disbursementDisbursalUptime SLA
99.9%
per developer docs
API response
~300ms
typical
Support
24/7
critical issues
SDK version
v1.0.12
lark-sdk-multi
Verify
Session init, phone OTP, PAN validation
Portfolio & offers
CAS holdings fetch, lender eligibility, offers
Originate & manage
Pledge, disbursal, repayment, statements
- Lender eligibility & offers from a single call
- SDK events: INITIATED → READY → ELIGIBILITY_RESULT
- X-SDK-Key + X-SDK-Secret on every request
- Sandbox and production environments
- Inline or popup eligibility flow, your choice
- Themeable UI that matches your brand
Start integrating
From sandbox key to first disbursal in production, with a dedicated solutions engineer on your integration.
Built like the rails that
move crores every day.
Every Lark product ships with the same posture: DPDP-ready, RBI-aligned, audit-trailed and continuously monitored. Your data, your customers' PII and your business never leave India.
RBI-aligned controls
Built to the operating standards of India's regulated lenders. Lien marking with CDSL & NSDL, KFS, recovery rails, covered.
DPDP-ready by default
Consent capture, purpose limitation, data principal rights, retention timers and audit trails, every customer record, every endpoint.
Bank-grade cryptography
TLS 1.3 in transit. AES-256 at rest. Field-level encryption for PII. KMS-backed keys with 90-day rotation. Zero plaintext PAN.
Identity & access
OAuth2, PATs, mTLS, IP allow-listing, fine-grained RBAC. Every action attributable. SSO for enterprise. SCIM-ready.
Immutable audit trail
Every API call, every state change, every role edit is logged with correlation IDs. Exportable to your SIEM in one click.
BCP / DR with teeth
Multi-AZ active-active. RPO < 5 min · RTO < 15 min. Quarterly chaos drills. Disaster runbook reviewed by external auditors.
99.9%
Uptime SLA
~300ms
API response time
AES-256
Encryption at rest
24×7
SOC monitoring
Data residency · India
All compute & storage in Mumbai + Hyderabad AZs. No cross-border PII transfer.
Zero-trust by default
Every internal service authenticates via mTLS. No standing access. JIT approvals only.
24×7 SOC + observability
Realtime SIEM, anomaly alerts, paged engineers. Status page with public incident timelines.
₹0Cr+
Loan book powered
0min
From signup to live
0+
RBI-regulated lenders
0.00%
Platform uptime
500+ Indian MFDs & wealth firms
chose to ship with Lark.
From boutique IFAs in Indore to 300-RM wealth houses in Mumbai, India's fastest-growing wealth & fintech businesses run their LAS product on Lark. Their brand. Their customer. Our rails.
One platform. Four price points.
Zero surprises.
Start with a microsite. Graduate to embedded SDKs. Scale to the full API suite. You only pay for the depth you choose, billed monthly, cancel anytime.
Lark Edge free for life · 30-day trial on Vault & Grid · GST extra
Lark Edge
White-label Microsite
A live, branded LAS storefront in under 10 minutes.
- Custom sub-domain & branding
- Hosted customer journey
- Branded customer dashboard
- Email & WhatsApp updates
Lark Vault
SDK + Admin Portal
Embed LAS natively inside your own app, ops fully covered.
- iOS · Android · RN · Web SDKs
- Pixel-perfect theming
- Full Admin Portal
- Sub-partner & RM management
Lark Grid
SDK + Data API + Admin Portal
Full control over the data layer. Pipe everything where you want.
- Everything in Lark Vault
- Data APIs & signed webhooks
- Realtime event stream
- Custom analytics-ready exports
Lark OS
Complete API Suite
Build your own LAS product, end-to-end. Volume-priced for scale.
- Multi-lender orchestration
- KYC · e-pledge · disbursal · repayment
- Dedicated solutions engineer
- Custom SLAs & data residency
Volume & enterprise
High throughput? Multi-entity? Custom data residency?
Lark OS pricing scales down per transaction as volume grows, roughly 1/5th the cost of integrating lenders directly.
The fine print, in plain English.
LAS·OS is Lark Finserv's complete operating system for Loan Against Securities. It includes a no-code white-label microsite, modular SDKs for mobile and web, a full REST API + webhook suite, and the Lark Admin Portal, the back-office partners use to manage customers, sub-partners, pricing, team, payouts and notifications.
Own the product.
Own the customer.
Lark powers the rest.
Launch your own LAS product on Lark's rails. White-labelled, programmable, and yours from day one. Silently powered by India's most modern lending infrastructure.
10 min
Microsite live
12+
Lenders connected
1/5th
Cost of going direct
24×7
Partner support