01
Request
Customer initiates a mortgage-release request in E-Rahen.
- Secure login (Email/OTP or Bank SSO)
- Select asset (property/vehicle)
- Guided AR/EN UX
02
Verify
Automated checks confirm eligibility, payments, and ownership.
- Rules Engine: KYC/KYB, fraud flags, rate limits
- eFAWATEERcom: payment verification
- Land Dept.: ownership match
03
Approve
Bank reviews results, approves, or requests action.
- Bank dashboard with SLAs
- Real-time webhooks
- Full audit trail
04
Release
Release is executed and recorded with the authority.
- Secure authority integration
- Instant status updates
- Customer notified
05
Certificate
PDF certificate issued with verifiable QR code.
- Digital signature + tamper-evident logs
- Time-bound download links
- Retention policies