See if a loaned car is still being used, get early idle warnings, and find it when a borrower goes silent.
Traxelio for Micro-lending & Fintech
- Idle and use alerts
- Inactivity alerts early
- Remote activity proof
Protect & Control
Safety & Optimization
Manage & Optimize
Pain to value
What hurts today, and the Traxelio lever that answers it.
- The car sits idle while the loan looks fine · Idle and use alerts
- Default shows up weeks after the car stopped · Inactivity alerts early
- Field checks cost too much · Remote activity proof
- No data for better risk pricing · Agreed trip and driving feeds
- Hard to find the car when a borrower ghosts · Live locate to find the car
- Loan ops and field teams use different sheets · One vehicle record by role
Scenario 1 · Protect & Control
Scenario 3 · Manage & Optimize
Scenario 2 · Safety & Optimization
Abstract architecture
One platform. One operator. Clear trust boundaries.
- One platform. One operator. One vehicle record on web, tablet, and phone.
- Trackers talk to Traxelio; your team works in the app — not on the tracker wire.
- When the signal drops, the device keeps the trip and syncs later — no fake live dots.
- Open API for your TMS, maintenance tools, and reports — without exposing our servers.
- Data is encrypted. Accounts are separated. Each person sees only what their role allows.
Users
Web, tablet, phone, and driver terminal on authenticated sessions with role-based access.
Secure Traxelio perimeter
Encrypted transport, application protection, and rate limiting.
Application services
Mapping, alerts, missions, maintenance, documents, and the OAuth2 API.
Devices
Trackers, cameras, and terminals: multi-network cellular, offline buffer, optional satellite.
Organization mirror
Who opens Traxelio, and what they see.
- Portfolio / risk manager · Use and idle warnings on loan cars
- Credit ops · Activity proof before and after disbursement
- Collections · Remote activity before field visits
- Recovery desk · Live locate
- Data / risk · Agreed trip feeds
- Leadership · Default and recovery totals
Portfolio / risk manager
Credit ops
Collections
Recovery desk
Data / risk
Leadership
Live fleet data
What buyers see on the map for this use case.
- Map of where Micro-lending & Fintech vehicles sit today.
- Live sample updating every 10–30 seconds on moving vehicles.
- Online, delayed, and offline badges on each vehicle.
- Heat view for idle spots and alert hotspots.
- One trip path that matches this use case.
Online
Delayed
Offline
Protect & Control
Unauthorized use becomes: see it → prove it → act → restore.
- Your team opens the live map for Micro-lending & Fintech.
- A zone is set around the yard, route, or work area that matters.
- If a vehicle leaves without permission, you get an alert with place and time.
- Trip history is there before anyone asks for immobilizer.
- Only the safety role can request immobilizer, and every request is logged.
Scenario 1
Protect & Control
Safety & Optimization
Safety alerts turn into lower fuel use and clearer insurance talks.
- Speeding, hard braking, or idle is tied to place and time.
- Those events show on a simple driving score.
- You can export a report for coaching and review.
- Coaching stays about the road — no cabin cameras by default.
Scenario 2
Safety & Optimization
Manage & Optimize
Papers, maintenance, and downtime live in one place.
- Service due by km or engine hours is visible across the fleet.
- Paper expiry warnings show up before a vehicle is blocked.
- Ops and maintenance share the same downtime status.
- Leaders see totals; camera access stays limited by role.
Scenario 3
Manage & Optimize
Backups & continuity
Enterprise guardrails that keep the pilot honest.
- Daily encrypted backups, then stored off-site under our control.
- Versioned rebuild plans for the critical systems.
- A clear path to roll the app back if a release misbehaves.
- Documented restore plan and a restore test before production pilot use.
- Your data stays yours — full export and exit at contract end.
Uptime and alert response times are written into the contract for large fleets.
More than one mobile network where needed; satellite only when you turn it on.
Teams, people, devices, and cameras each have their own permissions.
Commercial model
Hardware kit per asset, plus software per asset per year.
- You pay for the tracker kit per vehicle, plus the software per vehicle per year.
- Users, teams, and roles are included in the enterprise offer — not billed per login.
- Extra connectivity (for example satellite) is a separate line, only where you need it.
- 3- and 5-year cost tables come from the commercial offer, not small-business stickers.
- Per-vehicle prices are on the pricing page; your exact envelope is confirmed in the Micro-lending & Fintech proposal.
Figures shown are scenario-level, not a signed quotation.
Opportunity-specific figures are confirmed in the commercial proposal.
POC to deploy
A fixed path from confidence to standard support.
- Evaluation POC · Optional 50-100 devices to prove the map and alerts before a big rollout.
- Contractual pilot · A fixed set of vehicles with clear exit checks (uptime, offline sync, alert noise, test integrations).
- Wave deploy · Roll out the rest by installer capacity and a go-live checklist.
- Stabilization · A short service check window, then normal support.
Evaluation POC
Contractual pilot
Wave deploy
Stabilization
Ready to walk this on your fleet?
[email protected] · +1 (917) 310-4878
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