Kaat Aantah: Financing for PyMES and Payroll Loans.
Kaat Aantah: Financing for PyMES and Payroll Loans.
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Entertaiment
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Kaat Aantah is an app that lets employees request advances or loans digitally, quickly, and securely, with payments deducted from their payroll.
Kaat Aantah is a mobile application developed for Soluciones Kaat Aantah, a Multiple Purpose Financial Institution (SOFOM) established in 2021. Its main objective is to provide reliable credit solutions to Mexican entrepreneurs and their employees through simple and revolving credit lines for businesses, as well as payroll loans for active workers.

The app enables employees of affiliated companies to access payroll advances or larger credit loans through a fully digital, fast, and secure process. Thanks to integration with each company’s payroll data, users can instantly know their credit limit and submit loan requests in just a few steps.

App Features

Disbursements in Mexican Pesos (MXN) with automatic deductions from the employee's salary.

100% digital process, including electronic signature of contracts for legal security.

Clean and user-friendly interface, simplifying the experience for both employees and business owners.

Smart calculation of loan amounts and repayment terms, ensuring sustainable lending through a financial analysis algorithm.

Immediate access by simply entering the user’s RFC, made possible by integration with the company’s internal database.
Challenges
Managing Multiple Features in a Single Platform:
One of the main technical challenges was to automatically integrate the employee databases provided by each affiliated company, allowing users to simply enter their RFC (Federal Taxpayer Registry) to be identified within the platform. This required translating various formats of administrative data into a unified, reliable, and secure structure. We designed a flexible data ingestion system capable of recognizing and synchronizing personal information, gross and net monthly salaries, and other key parameters such as maximum loan amounts. Thanks to this integration, users can register without filling out lengthy forms or depending on manual processes.

Another significant challenge was designing an intuitive and functional backend for companies to manage loans and monitor the status of their employees within the system. It was essential that the administrative panel allow for monthly updates of employee rosters, define credit policies (such as maximum lending percentages or differentiated limits based on job position), and monitor the status of each loan in real time. We achieved this by building a clean, user-friendly admin platform designed for non-technical users, focused on easing decision-making and minimizing the company’s operational workload.

Lastly, a critical challenge was ensuring the legal and technological security of the lending process, particularly regarding the digital signing of contracts. Each user needed to accept the terms and electronically sign a contract before receiving any funds, in compliance with legal requirements from both the lending company and local regulations. To meet this need, we developed a robust authentication flow and a secure digital signature solution, fully integrated into the app, which formalizes the process without extra steps or external complications.
We translated the documentation into a user-friendly interface.
On the screen where the user selects how much they want to borrow, moving the slider will update the amount and automatically refresh the payment terms and dates. This way, the user can easily see if the conditions are suitable for their loan.

The slider will only move in predefined increments set in the company's documentation, and it will automatically switch between an advance or a loan, which are two products with different terms.
Kaan aantah
Kaan Aantah Solution
Solution
The main challenge was linking company data for RFC-based login, building a simple backend, and adding digital signatures.
Flutter for mobile application development.
We developed the mobile application using Flutter, which allowed us to create a fast, fluid, and consistent experience across both Android and iOS devices. Flutter also enabled the implementation of a clean and user-friendly interface, which was essential to ensure the credit request process remained intuitive and accessible to users of all digital experience levels.
Django for the backend and data management.
The backend was built with Django, a robust and scalable framework that enabled us to develop a solid architecture for data management, business logic, and user handling. Django also provided powerful tools to build a customizable and secure admin panel, from which companies can manage loans, track active employees, and configure their lending rules with ease.
Firebase for authentication and secure access control.
For authentication and access management, we integrated Firebase Authentication, which allowed us to implement various secure sign-in methods, including email, phone number, and federated accounts. Firebase was also key in ensuring user data security and in implementing the digital signature system, helping validate and record the entire contracting flow correctly and securely.
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