Growth. Guaranteed.
Veltra embeds payment-activated enforcement at the edge of every financed asset, converting collateral risk into a remotely governed, bankable position.
The Problem
Every financed motorcycle, generator, or solar system in your portfolio is secured by paper and hope. Veltra replaces that with hardware.
By the time a collection officer is dispatched, the asset has moved or its been stripped for parts. Manual recovery has a 1-in-3 failure rate.
Without physical enforcement, your loan book is unsecured in practice. You hold a promise, not a secured position.
When a payment fails, SAFIP triggers EPCS. The asset stops. The borrower calls. Recovery begins before you deploy a single field agent.
The Veltra Stack
System Architecture
AI billing syncs payment webhooks with live collateral status. Settlement clears, access granted. No human in the loop.
Each cycle issues a single-use signed token. No valid token, no ignition, no load. Tamper-proof by design.
Optical and motion sensors detect breach, uninstallation, or tow. Triggers immediate hardware brick and SAFIP alert.
Push security patches fleet-wide. No physical recall, no field engineer cost.
USSD or wallet activation. Asset active in <90s. SMS fallback for off-grid coverage.
Target Sectors
EPCS integrates directly with ignition circuits. Default = immobilization. Recovery before next payment cycle.
Inverter and battery financing in underserved corridors. SMS fallback guarantees enforcement without GSM dependency.
Generators, cold-chain, agri-equipment. Real-time asset health, location, and payment status in a single dashboard.
Designed for Institutional Deployment
Founding Partner Access
We are onboarding a closed cohort of 12 institutional partners for co-development access, priority unit allocation, and direct integration support.
We do not sell or share submission data. Applications reviewed within 5 business days.
Our partnerships team will send an exclusive welcome brief to your inbox within 5 business days.
Ref: VLT-XXXXXX
Institutional applications only. All fields required.
Infrastructure-grade asset enforcement for institutional lenders and OEMs in sub-Saharan Africa. Suitable for lender due diligence and grant evaluation.
The EPCS V2 is a tamper-resistant embedded enforcement module in a ruggedized puck form factor. Its stacked PCB architecture integrates an ARM-class Microcontroller, GSM/GPRS Chipset, GPS Antenna, and a galvanically isolated Power Board. The Guardian Security Suite includes a CMOS optical sensor and 3-axis accelerometer for tamper detection. Communication is SMS/GPRS hybrid with Fail-Open policy for edge connectivity reliability.
SAFIP bridges payment events to physical asset states in real time. Features: AI-driven risk scoring at origination, payment webhook processing via Mono and Monnify, virtual geofencing with SMS command relay, cryptographically signed one-time permission tokens, and a multi-tenant lender dashboard with portfolio health metrics.
Layer 1 — SAFIP Cloud handles billing, risk, and command issuance. Layer 2 — EPCS V2 receives signed commands over GSM/SMS and enforces access at hardware level. Layer 3 — The financed asset (motorcycle ignition, solar inverter load relay, or generator circuit) is physically governed by EPCS output. Default triggers automatic lockout within 90 seconds.
Veltra does not lend or finance. Veltra sells enforcement infrastructure to lenders, OEMs, and fleet operators. Revenue streams: (1) Hardware unit sales, (2) Monthly SAFIP SaaS fee per active unit, (3) Transaction commission on payment activations. Nigeria is the lead market.
E-Mobility: Okada/Keke PAYG financing — direct ignition kill-switch integration. Solar-as-a-Service: Inverter and LiFePO4 battery financing with load-side relay control. Commercial Leasing: Generators, cold-chain, agri-equipment — asset health telemetry and enforcement in one SKU.
Join the Founding Waitlist to receive priority unit allocation, integration support, and a dedicated onboarding brief within 5 business days.