Everything you might want to ask.

You can start lending with as little as $100. There is no minimum beyond that — you simply top up your wallet and the platform begins building your portfolio automatically. The maximum lender wallet is $100,000 and is subject to approval. Feel free to contact us at [email protected] Download the to get started.

No. Joining is completely free and there are no platform fees for lenders. You only earn from the borrower’s flat service fee.

Your funds support real everyday Australians who need short-term help for personal expenses like bills, unexpected costs, or bridging gaps until their next pay.

As soon as your funds settle in your wallet (usually within minutes via PayID), our platform automatically starts allocating them into new 30-day loans. You can begin earning straight away — earnings from the borrower’s flat service fee are credited upfront on each new loan.

Clean, simple, and rewarding. You get instant notifications when funds are allocated, when repayments arrive, and when earnings are credited. Most lenders just top up, watch their portfolio grow, and withdraw or reinvest every 30 days — it feels like passive income on autopilot.

No, Brolly charges 0% interest. Borrowers simply pay a flat 5% service fee on the principal amount.

To activate your account you must: Register with email, phone, and password Verify your email/phone Upload valid ID (e.g., passport or driver’s licence) Connect a valid Australian bank account Confirm you intend to be a Lender.

You fund your wallet (starting from $100), and our platform automatically matches your funds with pre-approved borrowers using advanced machine learning. Because Brolly facilitates true 1:1 lending, each loan is fully funded by you alone. You can track every match, repayment, and return in real time directly inside the app. Disclaimer: Brolly’s automated matching system connects your funds with individual borrowers based on platform criteria. We act strictly as an intermediary and do not guarantee the repayment of any matched loan.

Our platform uses advanced machine learning, live Open Banking data, and AI vetting to rigorously assess and automatically match your funds with suitable borrowers. You do not manually select individual loans. Instead, the system automatically matches your available capital across multiple 1:1 loans to keep your money working efficiently. By depositing funds into your account and keeping the Auto Deploy feature turned on, you consent to this automated matching process. Disclaimer: Brolly acts solely as a matching intermediary. While we utilize advanced data vetting and Open Banking insights, we do not underwrite the loans, provide financial advice, or guarantee the repayment behavior of any specifically matched borrower.

We partner with Monoova, which provides specialised infrastructure for automated, large-scale payment orchestration using the New Payments Platform (NPP) and PayTo protocols. This enables instant, 24/7 fund transfers and guarantees pre-authorised, programmable "pull" repayments, ensuring capital is never stagnant.

1. What it means: Utilisation refers to the percentage of your total wallet balance that is actively deployed into live 30-day loans. Because you only earn the upfront flat fee on funds that are actually disbursed to a borrower, any money sitting idle in your wallet earns nothing. 2. Why it matters (An Example): When utilisation is high, your capital is working efficiently. For example, if platform utilisation is at 99%, it means 99 cents of every dollar in your wallet is actively out in loans earning returns, with only 1 cent waiting to be matched. High utilisation means your money spends less time waiting and more time earning. 3. The Reality Check: While Brolly’s algorithm is built to deploy your funds as fast as possible, your personal utilisation rate will constantly fluctuate. It goes up and down based on real-time borrower demand, the total amount of lender capital currently on the platform, and the speed at which old loans are repaid. Disclaimer: Utilisation rates are highly variable and strictly dependent on real-time market conditions and borrower demand. Brolly does not guarantee that your funds will be fully or immediately deployed. Any historical utilisation figures mentioned are for illustrative purposes only and do not guarantee future platform performance or individual deployment speeds.

Auto Deploy is an automated feature designed to keep your capital working efficiently without you needing to manually approve every single loan. When you add funds to your wallet, Auto Deploy is turned ON by default. Our platform will automatically allocate your available, idle balance into new 30-day loans as soon as suitable borrowers are matched. You can toggle Auto Deploy on or off at any time in the app with one tap. What happens if I turn it off? If you turn Auto Deploy off, any new deposits or repaid funds returning to your wallet will sit idle. Because you only earn your upfront return on capital that is actively deployed into a loan, leaving your funds idle will significantly lower your overall portfolio return. Many lenders choose to leave Auto Deploy on so their capital compounds continuously. Important note on withdrawing funds: While you can turn Auto Deploy off instantly to pause future lending, this does not recall funds that are already active in the market. You will still need to wait for any currently active 30-day loans to be repaid by the borrower before those specific funds return to your wallet and become available for withdrawal. Disclaimer: Auto Deploy automates the matching process but does not guarantee immediate deployment of funds, as this relies entirely on real-time borrower demand. Brolly does not provide financial advice; lenders should manage their Auto Deploy settings based on their personal liquidity needs.

Feature Auto Deploy (ON) – Recommended Manual Mode (OFF) How it works Automatically invests your available funds into new loans as soon as matches appear Your funds stay idle in the wallet until you manually deploy them Default setting ON when you add money You must turn Auto Deploy off Effort required Zero – completely hands-off High – you have to actively monitor and deploy Capital utilisation Very high (historically ~99%) Often very low – money frequently sits idle Earnings impact Maximised – you earn fees almost continuously Returns stop and returns drop dramatically while funds are idle Flexibility Full control – turn on/off with one tap anytime More precise timing control but at the cost of returns Best for Most lenders wanting passive income and strong returns Lenders who want to pause lending or time the market manually

No. Brolly does not guarantee that your funds will be continuously or fully deployed. Because our platform relies on real-time borrower demand and our strict 1:1 matching criteria, your funds may remain idle in your wallet if there are no suitable borrowers available at any given time. Disclaimer: Deployment of capital is strictly dependent on real-time market conditions and borrower demand. Brolly does not guarantee that your funds will be matched or generate returns.

No. You cannot manually select individual borrowers. Brolly uses an automated matching system to ensure capital is deployed as quickly and efficiently as possible. When you allocate funds to your active lending wallet, our algorithm automatically matches your capital with pre-approved, qualified borrowers. By depositing funds into your account and keeping the Auto Deploy feature turned on, you are agreeing to this automated matching process. Disclaimer: Brolly’s automated matching system allocates funds based on platform criteria and real-time borrower demand. We do not guarantee the financial performance or repayment behavior of any specifically matched borrower.

You have complete control over your capital. After a borrower repays you at the end of their cycle, you can choose to withdraw your funds, or you can automatically roll your funds into new loans to keep your portfolio active. Disclaimer: Reinvestment is subject to active borrower demand on the platform; continuous lending and returns are never guaranteed.

All loans on Brolly have a fixed maximum term of 30 days. There are no extensions or longer terms. Borrowers can repay early at any time during the 30-day period.

Monoova's payment rails automate the movement of capital, enforcing our 30-day loan velocity entirely by code. This allows for high-precision payment collection and reconciliation with zero manual intervention.

We do not charge borrowers traditional interest; instead, they pay a flat 5% access fee for their 30-day loan. When your capital is matched with a borrower, a portion of that fee is allocated directly to your account. This fee-sharing model is what generates your target return, depending on how quickly the borrower repays within that cycle will determine your end result for the specific contract and make up part of your overall portfolio return. Disclaimer: Target returns are variable, dependent on borrower repayment behavior, and not guaranteed.

No, Brolly does not pool your money into a common fund. We use a proprietary algorithm that creates a direct 1:1 match between you (a single lender) and a single borrower. Disclaimer: Your capital is not pooled, meaning your specific return is tied directly to the performance of your individually matched borrowers.

Every loan on Brolly is a true 1:1 match. Each loan is funded entirely by a single lender. We do not pool your money into a common fund, and you do not share loans with other lenders. This creates a direct contractual relationship, meaning you are directly backing a specific individual. Disclaimer: Brolly facilitates direct 1:1 loan contracts. Because your capital is not pooled, your specific return and risk are tied directly to the performance of your individually matched borrowers.

Brolly acts as an intermediary, using a proprietary algorithm to facilitate 1:1 bilateral matching between a single lender and a single borrower.

No. Even if your funds are diversified across multiple loans, each individual loan is funded by only one lender.

All loans on the platform are strictly limited to a fixed duration of 30 calendar days.

No, the platform is strictly built to prevent this. Every loan is a single-cycle, non-compounding contract. Through our real-time affordability checks, each borrower is pre-approved for a safe, predetermined borrowing limit. Borrowers must fully repay any outstanding loans before they are permitted to reapply or access funds beyond that limit. This structure completely eliminates the risk of rollovers, credit stacking, or escalating debt spirals.

You only earn your upfront return (e.g., 1% per 30-day cycle) on funds that are actually disbursed into active loans. Any money sitting idle in your wallet does not generate returns. "Utilisation" refers to the portion of your total wallet balance that is actively deployed in the market. When borrower demand is strong and platform utilisation is high, it means the vast majority of your capital is working continuously, with very little sitting idle. This high deployment speed is what drives consistent earning opportunities. However, utilisation is never static. It fluctuates continuously based on real-time borrower demand, the total amount of lender capital currently on the platform, and the speed at which old loans are repaid. Disclaimer: Utilisation rates are highly variable and strictly dependent on real-time market conditions. Brolly does not guarantee that your funds will be fully or immediately deployed. Past performance is not indicative of future results, and returns are not guaranteed.

Your actual return can vary from our target rates for a few key reasons: Repayment Timing: Your annualised return is highly dependent on exactly when a borrower repays. Early repayments allow you to redeploy capital faster, while late repayments tie up your capital and slow down your effective annualised return. Idle Funds: You only earn the upfront fee on capital that is actually disbursed into a loan. Any money sitting un-deployed in your Brolly Wallet does not earn a return. Variable Fees: Target rates can vary depending on the specific fees attached to your matched loans, and returns are never guaranteed. Because your funds are matched directly to individual borrowers who will naturally repay at different speeds, looking at your blended results across all of your active and completed loans (your "portfolio view") will always give you the most accurate picture of your true earnings. Disclaimer: Target rates are strictly illustrative. Actual returns are variable, dependent on individual borrower behavior and platform utilisation, and are not guaranteed. Past performance is not indicative of future results.

1. The Upfront Advantage With traditional lending, you give someone money and wait until the very end of the loan to get your interest. Brolly does the opposite. When you fund a 30-day loan, the borrower’s flat fee is paid upfront. In a 12% p.a. target example, the lender return is 1% per 30-day cycle. That means the 1% drops into your wallet on Day 1. Getting paid immediately gives you complete flexibility over how you want to grow your wealth. Option A: The Simple Return (Cashing Out) Because you receive your fee immediately, the actual amount of your capital tied up for the month is reduced. If you lend out $100,000, your $1,000 fee drops into your wallet on Day 1. If you withdraw that $1,000 to your bank account immediately, your true out-of-pocket investment left on Brolly is only $99,000. Making $1,000 profit on $99,000 generates a true 30-day yield of 1.0101%. Across twelve 30-day cycles, this lands at the 12% p.a. target return ($12,000 in yearly target profit). Option B: The Compounded Return (Reinvesting) Because that $1,000 lands in your wallet on Day 1, you don't have to wait 30 days to use it. You can instantly reinvest it into new loans on the exact same day, which can create an immediate compounding loop. By continuously reinvesting upfront fees on Day 1 across twelve 30-day cycles, your balance may compound above the simple target depending on utilisation and repayment timing, but Brolly's headline target remains 12% p.a. 2. What happens if a borrower is late? In lending, time is money. Your target return is based on getting your principal capital back in exactly 30 days so you can lend it out again. If a borrower takes 45 days to repay you instead of 30, your main capital is "stuck" for an extra 15 days. You still get to keep the 1% fee you earned on Day 1, but because it took longer to get your main money back to lend out again, the annualised speed of your return for that specific loan slows down. 3. Why the "Portfolio View" is the only number that matters Because Brolly uses 1:1 matching, you are lending to real people. Real life means some borrowers will pay you a few days early, some will pay exactly on time, and some will inevitably be late. If you hyper-focus on one single loan that is 10 days late for e.g, your return on that specific contract will look lower. But at the exact same time, you might have three other loans that paid early, which speeds up your capital turnover. When you blend the early, on-time, and late repayments together across all of your active loans, they balance each other out. That combined average is your overall portfolio return, and it is the only metric you should use to measure your true success on the platform. Disclaimer: The 1% fee and subsequent $100,000 figures are modelled strictly for illustration. Your actual outcome will vary depending on the specific fee attached to your matched loans, individual borrower repayment timing, and the amount of your balance that remains actively deployed versus sitting idle. Returns are variable and never guaranteed. Past performance is not indicative of future results.

Earnings from the borrower’s flat service fee are allocated upfront at the start of the loan and credited to your wallet immediately. Your principal is automatically returned at the end of the 30-day cycle, or exactly when the borrower repays. However, because our platform facilitates a direct 1:1 match between you and the borrower , you must remember that Brolly is not the borrower. We simply provide the technology infrastructure. Under no circumstances is Brolly obligated or liable to repay the borrower's loan. Your contract is directly with the individual borrower, meaning your repayment relies entirely on them. Disclaimer: Brolly acts strictly as an intermediary platform. We do not guarantee borrower repayments and hold no liability for defaulted loans.

Our platform uses advanced machine learning to automatically spread your funds across many individual one-to-one loans as soon as you top up your wallet. The more you lend, the more naturally diversified your portfolio becomes — typically spreading your capital across dozens of different borrowers. This built-in diversification helps reduce the impact of any single loan while keeping everything simple and hands-off for you.

Earnings come from a fixed, flat service fee paid by the borrower. In the last quarter, active lenders on the platform averaged approximately 16.5% p.a. However, your actual annualised return will vary depending on exact repayment timing. If a borrower repays late within their 30-day cycle, it will reduce your effective annualised return. Please remember that past performance is not indicative of future results, and returns are never guaranteed. Disclaimer: Target returns are variable and strictly dependent on borrower repayment behavior. Past performance is not a reliable indicator of future results, and neither your principal nor your returns are guaranteed.

Yes, Brolly may diversify your deposited funds across multiple borrowers to help minimise risk. This is subject to the total amount of your deposited funds and the current availability of active lenders and borrowers on the platform.

Yes, you have complete flexibility. You can withdraw idle funds from your wallet instantly, 24/7, with no lock-ins or waiting periods. Once a loan is repaid at maturity, the money immediately becomes available in your wallet for you to either withdraw to your bank account or relend into new opportunities.

Because Brolly operates differently from traditional platforms, your earnings and your principal are credited to you at two separate times: Your Earnings (Day 1): The flat fee charged to the borrower is paid to you upfront. The moment your funds are matched to a loan, your return is credited directly to your wallet. Your Principal (Upon Repayment): Your original loan amount is returned to your wallet the exact moment the borrower repays it. Because these are real 1:1 loans, this timing naturally varies. A borrower may repay early, exactly on the 30-day due date, or occasionally late. Disclaimer: Repayment timing is strictly dependent on individual borrower behavior. Brolly does not guarantee early or on-time repayment of principal.

Top-ups and withdrawals are usually instant (via PayID), and repayments from borrowers are automatically credited to your wallet within minutes of being received. To learn more about Monoova: monoova.com

Extremely fast. Monoova’s 24/7 NPP (New Payments Platform) and PayTo technology let you top up and withdraw instantly — often in seconds — even on weekends and public holidays.

Because your money is actively backing a real person, your funds are committed to a fixed 30-day loan cycle. You cannot withdraw those specific funds mid-cycle; withdrawals occur at maturity once the 30-day period is complete and the borrower repays. Disclaimer: Funds are locked for the duration of the 30-day cycle and withdrawals are strictly dependent on borrower repayment.

Yes. The Brolly app gives you live, real-time visibility of every loan in your portfolio, including status, repayment progress, days remaining, and earnings already credited to your wallet.

Yes. Brolly may apply wallet limits from time to time for operational, risk, security and compliance reasons. Your current wallet limit will be shown in your account or otherwise communicated to you by Brolly. Brolly may increase, decrease or remove wallet limits at its discretion. If you are seeking to deposit or hold an amount above your current platform limit, you may contact our team to discuss whether a higher limit can be made available to you.

If a borrower is late, our platform automatically activates an intelligent collections process powered by InDebted. This includes personalised AI-driven outreach and structured recovery steps designed to resolve the situation as quickly as possible. All payments and fund movements are handled securely through regulated infrastructure provided by Monoova.

Portfolio integrity is maintained through our partnership with InDebted, a global leader in AI-driven recovery and arrears management. If a borrower misses their payment, their account is escalated to InDebted's compliant recovery engine.

Instead of relying on high-friction, manual collection methods, InDebted uses machine learning and data-driven behavioral modeling to optimise borrower engagement through digital-first channels. This maximises recovery rates and protects our loss provision without the need for expensive human outreach.

While Brolly will make every effort to recover your funds, the ultimate risk of loss always sits with you. Here is the exact process if a payment is missed: 1. Active Recovery: The moment a payment is late, Brolly and our third-party debt recovery partner, InDebted, step in to actively pursue the borrower and attempt to retrieve your funds. 2. The Assurance Account (No Guarantees): If the debt remains unpaid after 90 days, it is formally classified as a default. At this stage, Brolly will attempt to reimburse your principal from the Brolly Assurance Account. However, this is a discretionary reserve, not an insurance policy. Payouts rely entirely on available funds and are never guaranteed. 3. Total Loss of Capital: If the recovery efforts are unsuccessful and the Assurance Account lacks sufficient funds, the loss remains entirely with you. You will permanently lose the money you lent to that specific borrower. Disclaimer: Brolly acts solely as a matching intermediary. While we will actively attempt to recover late or defaulted funds on your behalf, we do not guarantee repayments, or insure your capital or returns. All lending on the platform carries the absolute risk of principal loss.

Yes. It is simply the nature of lending that every portfolio will experience some late borrowers. But don't worry, everything we can do is automated to actively recover those funds as part of our standard operating process. Because late payments are a normal part of the cycle, we always recommend tracking your overall portfolio return rather than worrying about one specific delay.

Late (1 to 89 days past due): A borrower is considered "late" the moment they miss their 30-day repayment deadline. During this phase, your capital is delayed, but active recovery is underway. Our automated systems and third-party recovery partners (InDebted) will actively pursue the borrower to retrieve your funds. In Default (90+ days past due): If the loan remains completely unpaid 90 days after the due date, it is formally escalated and classified as "in default." At this stage, Brolly will attempt to reimburse your principal from the Brolly Assurance Account, while external legal and collection efforts continue. Disclaimer: Brolly does not guarantee the recovery of late funds. The Brolly Assurance Account is a discretionary reserve subject to available liquidity; if collections fail and reserve funds are insufficient, the lender bears the total loss of capital.

No, your principal and returns are not guaranteed. To help protect our lenders, we built the Brolly Assurance Account—a reserve fund is designed to absorb principal loss risk in the instance it may be able to and should never be relied upon. While this account is designed to shield you if a borrower defaults, it is a discretionary reserve and not an insurance product. There is no absolute guarantee that it will always have sufficient liquidity to cover every single loss. Disclaimer: Capital is at risk. The Brolly Assurance Account is subject to available liquidity and is not an insurance product.

We minimise potential risk of your capital through multiple integrated layers: AI-powered identity and fraud detection by frankieone, real-time cash flow analysis using BASIQ Open Banking, short 30-day loan terms, secure segregated wallet and payment rails by Monoova, and proactive collections intelligence by InDebted. While these measures significantly reduce the main risks of lending, there is still no guarantee against loss and lending always carries some risk.

Lending always carries the risk that a borrower may repay late or default entirely. We actively minimize this risk on the front end through short 30-day terms, live cash-flow affordability checks, automated repayments, and AI-driven collections. However, as a lender, you must understand two structural risks: The 1:1 Contract: You are lending directly to a specific individual, not investing in a pooled fund. You do not hold collateral or security over any pool of assets. If your specific matched borrower defaults, your capital is directly impacted. Assurance Account Limits: While we maintain the Brolly Assurance Account to help absorb principal losses, it is a discretionary reserve fund, not an insurance product. You cannot rely on it as a guaranteed safety net; payouts strictly depend on the account having sufficient available funds and the discretion of the company at the time of a default. Disclaimer: All lending carries risk, including the potential loss of principal. Brolly facilitates direct loan contracts and does not guarantee returns or Assurance Account payouts.

We start being proactive well before the due date to keep late payments very low: 5 days before due date: The borrower receives friendly automated reminders (SMS, email, and in-app) to ensure they’re prepared. Immediate reminders (Day 0–14): If a payment is missed, the borrower's account is immediately frozen. Automated SMS, email, and in-app notifications are sent within 24 hours, followed by continuous reminders. Ongoing collections (Day 14–59): The borrower's ranking in the community diminishes, and they lose all platform perks. We escalate internal reminders, and follow-ups continue automatically. InDebted activation (Day 60): Our intelligent collections partner, InDebted, steps in to optimise borrower engagement using personalised, AI-driven outreach and structured recovery efforts. Formal default (Day 90): If the loan remains unpaid after 90 days past due, it is recognized as a formal default. InDebted continues the recovery process. The account may be referred for external legal action as a last resort. This proactive reminder system is one of the main reasons we maintain very low late-payment rates. Disclaimer: The timeline above is a general guide to Brolly's standard recovery and collections process. The exact steps and timing may vary based on individual circumstances. Brolly’s use of internal and external recovery efforts does not guarantee that defaulted funds will be successfully recovered.

Your un-invested funds are managed through virtual wallets provided by our regulated third-party partner, Monoova. Because these funds are handled externally, they belong to you and remain entirely separate from Brolly's corporate accounts. For actively deployed funds, our platform facilitates a direct 1:1 match, creating a contract directly between you and the borrower. This means the borrower remains legally obligated to repay you, even if Brolly stops operating. Disclaimer: Brolly acts strictly as an intermediary platform. While un-invested wallet balances are facilitated by a regulated third-party provider, the recovery of any actively deployed funds remains entirely dependent on borrower repayment. Brolly cannot guarantee the immediate liquidity or recovery of deployed capital in the event of a platform disruption or closure.

If a borrower misses their repayment at the end of their 30-day cycle, the account is first put through our automated recovery and collections workflow. If the loan remains unpaid after 90 days past due, it is officially classified as a default. Only at that point will Brolly attempt to repay your principal loan amount plus any annual return owing from the Brolly Assurance Account. This repayment is strictly subject to there being sufficient funds available in the account at that time. Disclaimer: Repayment from the Assurance Account is not guaranteed; it is a discretionary reserve, not an insurance product, meaning your capital is at risk if there is insufficient liquidity.

No, returns and repayments are not guaranteed. The Brolly Assurance Account is a discretionary reserve fund, not an insurance product. While it is designed to help shield lenders , any payout depends entirely on there being sufficient liquidity in the account at the time of a default. If multiple borrowers default at the same time, the reserve may not be able to cover all losses. If multiple borrowers default at the same time, the reserve may not be able to cover all losses. Disclaimer: Capital is at risk. The Assurance Account is a discretionary reserve, not an insurance product, and neither your principal nor your returns are guaranteed.

In circumstances where Brolly cannot repay a borrower's defaulted loan from the Assurance Account, Brolly will use its best efforts to recover the borrower's default amount—including the outstanding principal and any fees—through an automated debt collection process.

Basiq gives us real-time access to borrowers’ bank transaction data so we can assess their actual cash flow and affordability in the moment — far more accurate than old credit scores. To learn more about BASIQ: basiq.io

It helps the platform match you with higher-quality borrowers by analysing live spending patterns and income, which supports better repayment performance and higher utilisation of your funds. To learn more about BASIQ: basiq.io

Monoova powers our secure digital wallet, instant PayID top-ups, and all payments and repayments on the platform. Your funds are held in a segregated trust account with them. To learn more about Monoova: monoova.com

frankieone provides our advanced AI-powered identity verification and real-time fraud detection system that checks every borrower before we approve a loan. To learn more about frankieone: frankieone.com

Yes — BASIQ analyses real-time transaction patterns (income, spending habits, and cash flow trends) to create a dynamic risk score. This helps us match you with borrowers who have stable, predictable cash flow, dramatically improving repayment reliability.

Traditional credit scores are often months old. BASIQ looks at live bank data every single day, so the platform can spot changes in a borrower’s financial health instantly and adjust risk decisions in real time — giving you a much more accurate and up-to-date lending experience. To learn more about BASIQ: basiq.io

Open Banking (called the Consumer Data Right in Australia) lets you securely share your bank transaction data with trusted companies like Brolly — but only with your explicit consent. We use it via BASIQ to see your real-time cash flow and spending patterns instead of relying on outdated credit scores. This helps us make faster, fairer, and more accurate lending decisions.

Traditional credit scores are often months old. Open Banking gives us live bank data so we can assess a borrower’s true ability to repay right now. This means higher-quality matches, lower default rates, faster loan approvals, and your money stays deployed more often — ultimately delivering better and more consistent returns for you.

Instead of relying on stale credit scores, Brolly uses live Open Banking (CDR) feeds. This gives the platform a verified, real-time window into a borrower's income and expenditures, enforcing strict affordability and liquidity checks right at the point of disbursement

Repayments are completely automated. Brolly uses Monoova’s payment infrastructure to execute pre-authorised, programmable "pull" repayments via the New Payments Platform (NPP) and PayTo protocols at the end of the 30-day cycle.

Instead of relying on historical information or stale credit scores, our underwriting foundation is built on the Consumer Data Right (CDR) via Basiq Open Banking. This gives us a live, verified window into a borrower's real-time liquidity and cash flow.

Highly thorough. FrankieOne integrates identity (KYC), business (KYB), and biometric verification across hundreds of data sources. It acts as a centralised risk engine that manages AML/CTF compliance and sanctions screening within a secure, audit-grade environment.

None. Our integration with institutional counterparties establishes a complete "Zero-Touch Lifecycle". All technical and compliance operations—from initial onboarding and underwriting to final recovery—are executed automatically by these specialised external infrastructure providers.

Because our architecture relies on an automated network of best-in-class partners, it enables unlimited scalability with negligible marginal cost. This isolates our system's focus entirely on the core financial engine—the seamless arbitrage of time and money.

Yes. BASIQ is a regulated Open Banking provider. All data is handled under strict Australian privacy and security standards, and we only share what is necessary to assess loan applications. To learn more about BASIQ: basiq.io

Monoova is an authorised payment provider with bank-grade security. Your money is completely segregated from Brolly’s own funds and protected by multiple layers of encryption and regulatory oversight.

It uses device intelligence, behavioural analysis, and multi-layered AI to reduce the risk of identity fraud and low-quality borrowers, helping keep default rates low. To learn more about frankieone: frankieone.com

No. frankieone only processes the data needed for verification and fraud checks. All information is handled securely under Australian privacy laws and our strict data-sharing agreements. To learn more about frankieone: frankieone.com

Every lender’s money sits in a fully segregated trust account protected by bank-grade encryption, real-time reconciliation, and regulatory oversight. Your funds are never mixed with Brolly’s money, giving you institutional-level safety. To learn more about Monoova: monoova.com

frankieone uses device intelligence and behavioural biometrics (how someone types, swipes, and moves on their phone) combined with AI to detect fake identities and suspicious behaviour in milliseconds — stopping fraud before a loan is even approved.

It doesn’t just check documents — it cross-references hundreds of data points in real time (device fingerprints, geolocation patterns, and behavioural signals) to create a living fraud score. This level of intelligence is why Brolly can approve high-quality borrowers while keeping risk extremely low.

Yes — extremely safe. Open Banking is heavily regulated by the Australian Government. You control exactly what data is shared and can revoke consent instantly. All data is encrypted, handled only by accredited providers (BASIq), and never used for marketing. Brolly and BASIQ are both fully accredited under the strictest privacy and security standards.

Brolly utilizes an "Identity Firewall" managed by FrankieOne. This system conducts global identity verification (KYC), biometric verification, and AML/CTF sanctions screening to protect the ecosystem against impersonation and synthetic identity fraud.

By leveraging Basiq's data protocols and categorisation engine, we transform raw transactional data directly from the borrower's bank into high-fidelity income and expenditure metrics. This validates their actual "Ability to Pay" at the exact point of disbursement, effectively eliminating traditional document fraud.

We use FrankieOne as our "Identity Firewall" to protect the ecosystem from synthetic identity fraud and bad actors. It serves as a unified orchestration platform for global identity verification.

Brolly may: Require successful identity verification before providing access to the App/Platform. Conduct ongoing monitoring and due diligence to meet AML/CTF obligations. Use third parties (including external agents) for identity verification and due diligence, and share your personal information with them for that purpose. Rely on third‑party information including (but not limited to) a credit reporting agency when deciding whether to provide an Account, and may also use a credit reporting agency to assist with identity verification. If false/inaccurate information or fraudulent activity is identified, Brolly may report it and may freeze or terminate your Account, delay/block Transactions, or block release of monies on your instructions.

Brolly is under no obligation to provide you with any Services, and it reserves the right to refuse an application to open an Account as a Lender without providing any reason. They also reserve the right to refuse to provide an Account if doing so would cause them to breach regulatory obligations.

No, Brolly is not a bank. By using the platform, you acknowledge and agree that neither your invested funds nor the balance of your Brolly Wallet constitutes a deposit with, or a loan to, Brolly.