Registering a client

Before you can lend to someone, they must exist as a client. It is the platform's first record: the loan, the service contract and the payment history all hang from it.

Clients → New client. A side panel opens with the form.

The bare minimum

Four fields are required: first name, last name, identity document and document type.

The ID number (or passport) is not decoration, and that is why you cannot skip it: it is what

• lets you search the client by document later,
• enables their payment history inside the platform,
• prevents you from registering the same person twice,
• and it is what gets printed on the promissory note, which is worthless without a document.

The fields, one by one

The form has two parts: Personal information and Employment information. These are the personal details.

* The dropdowns come with an option already selected. Civil status, gender and housing are dropdowns (no longer free text): you pick from a fixed list. The form marks them as required, but they arrive with an option preselected, so they never stop you from saving; only change them if they don't apply. What gets stored is the option, not what you type: switching the app's language does not alter the data.

Classic trap: you type the ID number, you don't pick "ID card" in the dropdown next to it, and the form won't save. That is deliberate: without knowing whether it is an ID card or a passport, the platform cannot link their history.

If the document is rejected: the rule is the same whether you picked "ID card" or "Passport": it works the same for an ID card, a passport, or another country's identity document. Letters and digits are allowed, 5 to 20 characters. Spaces, dots and dashes you type are ignored (you can type it exactly as printed on the card, dashes and all), but a value where every character is the same is never valid.

Employment information

At the end of the form there is an Employment information section. It starts with the employment status; only if you pick "Employed" do the rest of the fields appear (with any other status they are hidden, and if they belonged to an employee before, they are cleared).

* Same deal as the dropdowns above: employment status and employment type come with an option already selected, so they don't stop you from saving.

This data, together with the nationality, the civil status and the gender, is what gets printed on the promissory note when you generate one. If you plan to formalise the loan, fill it in: a note built from a half-filled record comes out half-filled. See Generating a promissory note.

Personal reference

At the end of the form you can note down one reference: a contact for someone who vouches for the client. It is entirely optional — you can save the client with no reference at all.

They go together: name and phone. The reference is optional, but if you start filling it in you can't leave it half-done: the moment you enter the name, the phone becomes required, and vice versa. A reference with no way to contact it is useless. The address is always optional. Don't want a reference? Leave the name and phone empty and you're done.

The verification box

While creating a client (not while editing) a borrower verification box appears. You type the ID number, press Verify, and it tells you whether that person already has a payment history recorded on the platform. Explained in Trust and the bureau.

Save errors, in plain words

The ID is unique within your company. Another lender having that client does not affect you at all: your clients are yours.

Editing a client

Open their record and press Edit. Change whatever you want, including the ID number, if you entered it wrong (when you change it, their history is re-linked).

Two things you cannot edit: the score and the trust level. They are not your field: the platform computes them from real payment behaviour. Nobody can give themselves a good grade.

Deleting a client

Open their record, press Delete and confirm.

You will not be able to delete them if they have outstanding loans or active services. The platform blocks it on purpose: deleting someone who owes you money would orphan the loan and throw the books off. Settle or close whatever is open first.

A deleted client is not erased from history: they leave your lists, but the loans they already settled and the cash movements they generated remain in your reports and your accounting. The accounting is never rewritten.

Who can do what?

If you are an agent and don't see the "New client" button, it isn't broken: you don't have that permission. Ask the owner for it.