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Proximitty

Autonomous loan servicing and collections

Proximitty is the first truly AI-native loan management system. We build unified lending data layers and personalised risk scoring models to power AI agents that dynamically learn, adapt and increase collection rates for banks, credit unions and fintechs, while automating complex servicing workflows with no-code browser agents. Trusted by publicly traded fintechs and banks globally.
Active Founders
Wye Yew Ho
Wye Yew Ho
Founder
Co-founder & CEO @ Proximitty (YC W26). Previously, led FinCrime and Growth at Taptap Send ($75m -> $200m ARR) and started his career advising banks and fintechs on risk strategy at McKinsey. Highest ranked Malaysian in history in the Southeast Asian Maths Competition (SEAMC).
Zi Zhang
Zi Zhang
Founder
Co-founder & CTO @ Proximitty (W26). Previously, led security infrastructure at Bloomberg (securing 300k+ terminals) and Head of Engineering at ACI.dev (built world's first unified MCP with 4k GitHub stars in 1 month).
Company Launches
Proximitty - Autonomous loan servicing and collections
See original launch post

Hi everyone! We’re Wye Yew and Zi, co-founders of Proximitty.

TL;DR: We help banks, fintechs, and credit unions use no‑code AI agents to automate complex servicing and collections workflows, so they can reduce manual work, operate more efficiently, and increase recovery rates.

https://www.youtube.com/watch?v=JsiiDQqGPn0

Our ask: If you are leading Operations, Finance, Collections, or Servicing at banks or fintechs and looking to modernise your servicing / collection operations, we’d love to help. Just reach out at founders@proximitty.ai.

Problem:

Servicing and collections are heavily manual today in banks and fintechs - and the cost of servicing and collecting a delinquent loan has risen drastically in the last 5 years, constraining a bank’s ability to originate more loans.

Collections are often outsourced to collection agencies due to capacity constraints, but success rates have been historically low, and consumer complaints on collection practices cost >$500M/year in fines.

Most voice agents are point solutions that lack crucial context during collection calls and aren’t effective if skip tracing isn’t done properly.


Solution:

Proximitty is a unified data and agent platform for loan servicing and collections. Banks and fintechs use our no-code builder to deploy AI agents across their collection and servicing workflows - no engineering resources or APIs needed.

The platform is built for complex workflows like:

  • Negotiating hardship plans over the phone and updating backend systems in real-time
  • Monitoring complex compliance requirements and performing QA across 100+ jurisdictions
  • Increasing right-party contact rates by automating deep-skip tracing
  • Parsing borrower financials from emails and spreading them across credit models for credit monitoring, and auto-following up to collect missing information

…and 100+ more custom SOPs!

Our agents self-improve based on data - and manage to increase collection velocity and collection rates on your existing tech, without the need for overhauling your tech or SOPs.

We’d love to help!

If you’re thinking about transforming your servicing and collection operations, feel free to:

😊 Book your demo: https://cal.com/team/proximitty/proximitty-demo

📧 Reach us directly: founders@proximitty.ai


Founders:

Wye Yew Ho led Growth at Taptap Send ($75m -> $200m ARR) and previously advised banks and fintechs on risk at McKinsey.

Zi Zhang architected Bloomberg’s security infrastructure that powers over 300k terminals and built ACI’s unified MCP server (4k+ Github stars in 3 weeks).

Proximitty
Founded:2026
Batch:Winter 2026
Team Size:2
Status:
Active
Location:San Francisco
Primary Partner:Diana Hu