Tachyloans is a P2P digital lending platform that caters to both individuals and Small and Medium Enterprises (SMEs). The platform uses a unique proprietary credit scoring model enabled by Artificial Intelligence and Big Data to assess the creditworthiness of applicants. It also uses e-KYC and Aadhaar for verification of the borrowers that helps lenders to automatically invest in the recommended list of borrowers. The platform has been built with utmost care keeping all the parameters for shortlisting borrowers in place and no deviation has been taken, thereby ensuring that the credit-risk is content and have the right set of investors/lenders and borrowers on the platform which helps to maintain complete transparency throughout the process. Tachyloans not just focuses on cutting down the transaction time for lenders and borrowers but also reduces the overhead costs associated with the traditional lending process and enables us to pass on the cost savings to lenders in the form of higher returns and to borrowers in the form of lower interest rates. Lenders and borrowers can negotiate on the interest rates through Tachyloans platform. It has automated borrower sourcing, on boarding and credit scoring models to ensure that it can arrive at credit decision in a few minutes. The platform ensures that the borrower is digitally KYC verified besides physical verification. The bank statements and income documents are evaluated using algorithms without any human intervention to ensure that an informed decision to lend is made. Tachyloans also provides an investment platform for the lenders so that they can invest in loans to earn returns higher than the regular asset classes with limited risk.