Customer, Industry, Product, Use Case

Customer: Loop
Industry: FinTech / Payments / BNPL
Product(s): Tartan Verification & Risk APIs (PAN, UAN, GST, and Employment/Identity verification)
Primary Use Case: Scalable merchant and customer onboarding with risk controls

Executive Summary

Loop faced a common inflection point: rapid growth was colliding with fragmented identity and business verification workflows. Multiple systems for PAN, GST, UAN, and employment checks each lived in different silos, requiring engineering coordination and manual reconciliation.

By implementing Tartan’s unified verification and risk API layer, Loop consolidated all critical checks into a single, predictable service integrated within underwriting and onboarding flows. This drove measurable business value:

• 50% faster merchant onboarding

• 30% reduction in onboarding abandonment

• Improved risk signal quality, leading to fewer false positives and back-end reviews

• Significant operational effort reduction for support and risk teams

More importantly, verification ceased to be a bottleneck and became a scalable infrastructure backbone, enabling Loop to grow partner integrations without correspondingly scaling manual effort or risk exposure.

The Strategic Challenge: Verification Fragmentation Was a Growth Constraint

Prior to Tartan, Loop’s verification stack was a patchwork of point tools:

• PAN identity validation via one service

• GST verification through another

• UAN (EPFO) employment signals from a third

• Manual reconciliation and exception handling to piece results together

Each of these systems had its own API, variations in response quality, different compliance requirements, and unique error modes. Engineering teams spent considerable effort managing connectors, exception logic, and fallback flows. Operations teams spent hours reconciling results, handling false positives, and manually intervening in borderline cases.

This fragmentation introduced a systemic drag on scale:

• Onboarding flows became longer and more fragile

• Operational costs grew with volume

• Risk teams were unable to quickly and confidently adjudicate edge cases

• User and merchant experiences suffered

Strategic Insight: In modern financial platforms, speed and consistency are competitive weapons. When core infrastructure like verification is fragmented, organizations pay a tax in slower cycles, higher operational cost, and increased risk exposure - all of which erode growth trajectories.

The Solution: Unified Verification, Single API Layer

Loop adopted Tartan’s unified verification layer - bringing identity (PAN), employment (UAN), and business (GST) checks under one consolidated API contract. This simplified integration and provided a consistent schema for verification signals across products:

• Unified verification endpoint: All checks invoked through a single API

• Consistent data models: Simplified downstream processing for risk and underwrite engines

• Centralized compliance and consent artifacts: Essential for traceability and audit readiness

• Better error handling and fallback logic: Built into the platform rather than engineered case by case

By centralizing verification and enforcing consistent handling of consent and audit logs, Loop eliminated the need for bespoke connectors and fragile point integrations. This freed engineering capacity and reduced risk team workload.

Insight: Verification becomes truly strategic when it is consistent, predictable, and integrated as infrastructure rather than a collection of point solutions. That consistency enables acceleration in every dependent workflow.

Operational Impact: Velocity, Reliability, and Scale

After implementing Tartan’s unified verification platform:

• Merchant onboarding time was halved, significantly compressing the path from sign-up to activation.

• Drop-offs in onboarding flows decreased by over 30%, as fewer manual steps and error states frustrated users.

• Risk operations effort declined, as fewer false positives and reconciliation cycles demanded attention.

• Engineering maintenance overhead decreased, allowing teams to focus on core product advancements rather than integration upkeep.

These operational improvements fundamentally changed the role verification played within the organization. What was previously a point of friction - prone to delays, exceptions, and manual intervention - evolved into a stable, trusted backbone that reliably supports scaling partner integrations.

Instead of each new partner introducing incremental complexity, risk, and engineering overhead, integrations now plug into a standardized verification layer with predictable outcomes. This removes uncertainty from launch timelines, reduces integration-specific firefighting, and allows partnerships to scale without placing additional strain on risk, compliance, or operations teams.

As a result, Loop can pursue ecosystem expansion with confidence. New partners can be onboarded faster, product teams can commit to delivery timelines without padding for verification risk, and leadership gains clearer visibility into capacity, cost, and exposure as volume grows. Verification stops being a bottleneck to manage and becomes an enabler of controlled scale.

Insight: When core infrastructure is dependable, organizations shift from managing constraints to executing strategy. A stable verification backbone doesn’t just support growth - it makes growth repeatable.

Business Impact: Experience, Retention, and Competitive Positioning

The consolidated verification layer delivered business outcomes that matter to executives:

• Faster time-to-revenue as merchant onboarding cycles collapsed

• Improved activation rates, translating into higher funded volumes and marketplace liquidity

• Stronger risk signal consistency, enabling tighter product controls with fewer manual overrides

• Reduced operational costs, supporting sustained margin expansion

In markets where merchants choose platforms based on both speed and reliability, the ability to onboard quickly and approve with confidence became a differentiator rather than a backend detail.

Strategic Insight: When core workflows like verification become predictable infrastructure, rather than bespoke plumbing, organizations unlock operational leverage that compounds with growth. That leverage translates not just to cost savings but to strategic advantage.

Customer Perspective

“Integrating Tartan gave us a unified view of critical verification signals and removed a lot of backend complexity. Now merchants complete onboarding much quicker, and our internal teams spend less time firefighting mismatches.”
- Head of Product, Loop

This testimony reinforces a pattern we see with growth-oriented platforms: resilient infrastructure creates space for innovation, not just efficiency.

What This Enables Going Forward

With a unified verification foundation in place, Loop has shifted from optimizing individual onboarding flows to building a platform that scales by design.

• The ability to scale onboarding without linear increases in cost or risk means growth no longer demands proportional expansion of risk operations, compliance oversight, or engineering support. 

• Verification capacity flexes with demand, allowing Loop to absorb spikes in merchant acquisition or seasonal surges without compromising approval quality or control frameworks.

• Loop can now expand product lines with confidence, relying on a consistent verification backbone that works across use cases. New offerings no longer require re-architecting identity or business checks from scratch. 

• Instead, verification becomes a shared primitive — reducing time-to-market while ensuring every product inherits the same compliance posture and risk discipline.

• Faster, more reliable onboarding directly improves retention and lifetime value. Merchants experience fewer errors, fewer follow-ups, and fewer stalled applications — reinforcing trust at the moment when confidence in the platform is being formed.

• Over time, this compounds into stronger engagement, lower churn, and higher product adoption.

• At the same time, unified and structured verification signals enable automated, data-driven risk workflows. 

• Risk decisions can increasingly be made upstream and in real time, reducing manual reviews, accelerating approvals, and creating a feedback loop that continuously improves decision quality as volume grows.

Executive Insight:
Infrastructure that is predictable, consistent, and scalable reduces uncertainty — and in competitive markets, uncertainty is cost. By removing uncertainty from verification, Loop doesn’t simply move faster. It builds resilience into its operating model, strengthens its competitive position, and creates a foundation that supports sustained expansion without sacrificing control, trust, or margin.

About Tartan

Tartan provides unified verification and risk infrastructure that helps enterprises automate workflows, reduce manual effort, and deliver scalable, predictable experiences across onboarding, compliance, underwriting, and risk operations.