Why we built Palladium AI
Cooperatives, SACCOs, and community finance teams have long operated with a patchwork of spreadsheets, standalone accounting tools, and manual paper trails. Reconciling savings contributions, tracking loan repayments, managing member records, and reporting to branches — often across dozens of locations — consumes hours that would be better spent serving members.
Palladium AI was built to replace that patchwork with a single intelligent workspace: one place where every team, geography, and member portfolio lives together, secured by role-based access controls and backed by a real-time database.
The platform at a glance
At its core, Palladium AI is a multi-tenant SaaS platform. Each organisation — a cooperative, a branch network, or an independent finance team — gets its own isolated workspace called a team. Members of that team see only their data; nothing bleeds across tenant boundaries.
Multi-tenant teams
Separate workspaces per cooperative or branch, each with their own member roster, savings records, and loan pipeline.
Savings operations
Capture contributions, view historical records, and keep deposit workflows close to the dashboard where decisions happen.
Loan pipeline
Originate, review, and track loans from application through disbursement and repayment in a single view.
Member management
Invite members, assign roles, and maintain a live directory that reflects the current state of each portfolio.
Geography & branch analytics
Break down performance by location so regional managers can spot trends and act on them without leaving the platform.
Role-based access
Granular permissions keep sensitive financial data visible only to the people who need it.
Technical foundations
The stack was chosen for reliability, developer velocity, and real-time capability:
- Next.js App Router — Server and client components share a single codebase, enabling fast page loads and incremental static regeneration where beneficial.
- Convex — A reactive backend-as-a-service that replaces a traditional database, API layer, and job queue. Queries update live in the browser without polling.
- Convex Auth — Handles sign-up, sign-in, and session management with support for OAuth providers, keeping credentials out of our infrastructure.
- Stripe — Usage-based and subscription billing is delegated entirely to Stripe, giving operators a compliant, auditable payments layer from day one.
- GCP Cloud Run — Containerised deployments that scale to zero when idle and burst under load, keeping hosting costs proportional to usage.
An API marketplace at the core
Beyond the cooperative finance layer, the platform exposes an API Marketplace inspired by OpenAI's developer platform and Kong's gateway model. Operators can publish API products, set subscription plans, and issue API keys — all from the admin console. Consumers subscribe, generate keys, and monitor their usage and invoices from their own dashboard.
This makes Palladium AI a platform for platforms: finance teams can expose their own data services and models to partners, third-party developers, or internal tooling — with billing and access controls already built in.
What's next
The immediate roadmap focuses on three areas:
- AI-assisted decisions — Surfacing repayment risk scores and savings trend summaries directly inside the loan and savings dashboards.
- Offline-first mobile — A companion app for field agents operating in areas with intermittent connectivity.
- Deeper reporting exports — Scheduled PDF and CSV reports that map to regulator-mandated formats for SACCOs in Kenya, Uganda, and Tanzania.
We're building this in the open and would love to hear from teams running cooperatives or community finance operations. Reach out or sign up for early access below.