Enterprise rate card · Effective Q2 2026
An AI workforce for credit-financing institutions.
Bolehlah.ai is AI-native credit-decision infrastructure for regulated lending businesses — the AI is the core, not a feature. Every plan includes the full workspace, training tools, an exportable audit trail of your workspace's actions and decisions, and client-siloed memory. Your data is never shared with another institution. Priced in Ringgit Malaysia — no hidden fees, no per-loan charges.
For licensed money lenders, credit institutions and salary-deduction lenders across Malaysia
The Workforce
7 Officers. One standard of work.
Every Officer has a personality, a voice, and clear boundaries. Officers open plan by plan; a row shows its rate once it is on sale.
Underwriter
Policy checks · applications
Operations
Loan readiness · documents
Sales
Campaigns · member outreach
Customer Support
Members · service
Finance
Loan book · portfolio
Investor Relations
Investor updates · board packs
Compliance
KPKT · BNM · audit
Plans
Pick a plan by the size of your book.
Start free, then choose a plan based on how many Officers your institution needs. Move up any time — your Officers carry their training and memory with them.
Priced like staff: a full AI Officer runs below the fully-loaded cost of a junior analyst (~RM 3,150/month in the model below) — and never sleeps.
Pay annually and get 2 months free: Not available yet
BT — Bolehlah Tokens, the platform usage unit. Your monthly allowance covers decisions, screenings and officer work; top up any time.
USD shown for reference only at RM 4.70 = USD 1, reviewed quarterly. All billing in MYR.
Enterprise
For institutions that run at scale.
A separate arrangement for banks, DFIs, government-linked lenders and large credit institutions — sold by contract, not self-serve. Dedicated infrastructure, bespoke integration, and SLAs scoped to your operation.
Enterprise
Your infrastructure, our engine
Enterprise — your infrastructure, our engine
Sandbox or API processing on your infrastructure: decision features out, with how your data is handled and how long anything is kept set out in the contract. By contract.
Banks, DFIs and government-linked lenders — sandbox or API processing on your infrastructure
from RM 50,000
By contract, not self-serve
- Officers
- All 7 · by contract
- Included BT
- Negotiated in contract
- Workspace users
- Unlimited
- Channels
- + Voice AI (roadmap)Not available yet
- Support
- Dedicated team · 30minNot available yet
Enterprise Plus
Your infrastructure, your data
Enterprise Plus — your infrastructure, your data
A dedicated private deployment inside your own environment, bespoke integration and SLAs. By contract.
The largest institutions — a dedicated private deployment, bespoke integration and SLAs
Custom
By contract, not self-serve
- Officers
- All 7 · Directors by contract
- Included BT
- Negotiated in contract
- Workspace users
- Unlimited
- Channels
- All channels · customNot available yet
- Support
- Dedicated team · priorityNot available yet
Enterprise plans are priced per engagement after a discovery call — implementation, data migration, integration and SLAs are scoped to your institution. Talk to us and we'll quote it plainly.
In Detail
What's included, side by side.
| Feature | Free | Plus | Pro | Max |
|---|---|---|---|---|
| AI Workforce | ||||
| Officers included | Support only | 1 (your pick) | 3 (your pick) | 5 — your pick |
| Capacity | ||||
| Monthly BT allowance | 200 BT/mo | 1,000 BT/mo | 4,000 BT/mo | 10,000 BT/mo |
| Allowance alerts | We notify you at 85% usage and recommend the right upgrade — no surprise bills.At 100%, the staff AI that counts against this allowance pauses until the allowance resets at the start of the next month, or until you upgrade. Member-facing AI is not paused by this allowance, and there is no overage charge. | |||
| Workspace | ||||
| Users | 1 | 2 | 5 | 15 |
| Audit trails | Your workspace's actions and decisions — exportable, on every plan | |||
| Client-siloed memory | Your data is never shared with another institution — on every plan | |||
| Channels | ||||
| Member channels | In-app chat | Telegram (WhatsApp soon) | Telegram · web portal | + Email (soon)Not available yet |
| Compliance & Security | ||||
| Regulatory alignment | PDPA-aligned data handling on every plan. Built for Malaysian koperasi and licensed lenders, with salary-deduction workflows available. | |||
| Support | ||||
| Response SLA | Community | Email · 24hNot available yet | Chat · 8hNot available yet | Dedicated CSM · 2h |
Your Numbers
See what a tier returns on your book.
Built on the four value drivers for salary-deduction lending: faster submission turnaround, fewer rejected files, edge-case recovery, and processing labour saved.
Indicative monthly value
Capital velocity — modelled at 1.4 days faster disbursement (3.8d → 2.4d submission-turnaround assumption)
RM 5,717
Fewer rejected submissions — model assumes rework falls from 5% to 1%
RM 630
Edge-case recovery — death, dismissal, retirement, cap-breach flags
RM 14,583
Processing labour saved
RM 9,450
Total indicative value / month
RM 30,380
3.1× return on your monthly subscription. Payback inside the first month.
Indicative model for discussion only — assumes typical salary-deduction book yield and payroll-deduction repayment behaviour. Your Bolehlah officer will calibrate this against your actual portfolio data before any commitment.
The Fine Print, Plainly
How billing works.
Billed in Ringgit. No metering games.
Your subscription covers everything in your tier. No per-loan fees, no per-decision charges. When you approach your BT allowance, we tell you at 85% and recommend the plan that fits your usage — not a penalty bill.
At 100%, the staff AI that counts against this allowance pauses until the allowance resets at the start of the next month, or until you upgrade. Member-facing AI is not paused by this allowance, and there is no overage charge.
Onboarding is a conversation, not a fee table.
Implementation, data migration, and team training are scoped to your book and your systems. Talk to us and we'll quote it plainly before you sign anything.
Your members deserve answers in days, not weeks.
Walk through the rate card with us, see the Officers work on a live sandbox, and get a calibrated ROI model for your actual book.