CoopVault delivers a fully integrated platform spanning member management, lending, savings & deposits, share capital, general ledger, automation, member self-service, and compliance reporting — purpose-built for CDA-regulated cooperatives.
From member onboarding to financial reporting, CoopVault covers the full cooperative lifecycle in one unified platform.
Register, manage, and track cooperative members with full KYC profiles. Pre-validate loan eligibility, manage government IDs, beneficiaries, and membership types with batch status updates.
Full loan lifecycle from application through credit committee approval, release, payments, and closure. Supports early payoff, default, restructure, write-off, and co-maker requirements.
Manage savings products, deposit accounts, and share capital subscriptions. Process deposits, withdrawals, interest accruals, and capital payments with full audit trail and GL integration.
Double-entry bookkeeping with 968 BSP-standard chart of accounts. 13 configurable auto-posting rules, journal reversals, batch approval, and month-end period management.
BSP/CDA 5-tier risk classification with auto-provisioning. Collection task management with PTP tracking, contact logs, priority escalation, and overdue letter generation (4 letter types).
15+ report types: GL, Trial Balance, Income Statement, Balance Sheet, Cash Flow, Aging, Loan Portfolio, CIC Export, Savings Portfolio, Provision Adequacy, Member Statement, and more.
Members can view their loans, savings, share capital, and transaction history. Apply for loans online with eligibility checks, co-maker selection, and real-time application tracking.
Batch processes for overdue marking, penalty assessment, collection task creation, and savings interest accrual. Dividend declaration with computation, approval workflow, and distribution.
Dynamic RBAC with 111+ permissions and visual permission matrix editor. TOTP/MFA, account lockout, webhooks, database backups, regulatory submission tracking, and full audit trail.
Every feature is designed around the real workflows of Philippine cooperatives, from board-level approvals to teller-level transactions.
Every loan release, payment, penalty, deposit, withdrawal, interest accrual, share capital payment, and dividend distribution automatically generates balanced journal entries via 13 configurable posting rules.
111+ granular permissions across 23 groups, 7 system roles, and a visual permission matrix editor. TOTP two-factor authentication with backup codes and admin-managed MFA reset.
Dedicated approval queue with batch approve/reject, required remarks for rejections, co-maker validation, and full audit trail of committee decisions.
Members can view their loans, savings, and share capital. Apply for loans online with real-time eligibility checks, product selection, co-maker search, and application tracking.
One-click batch processes: mark overdue loans, assess penalties, create collection tasks, accrue savings interest, and run dividend distributions — all with GL auto-posting.
Guided month-end process with preview: interest accrual, provision runs, and period locking. Open → Closed → Locked lifecycle with journal posting guards.
Upload, version, and verify loan documents. JWT-protected downloads, category tagging, and verification status tracking per document.
In-app notifications with per-user preferences. Webhook event delivery with retry and delivery logs. Scheduled database backups with download capabilities.
CoopVault is designed from the ground up for CDA and BSP compliance. Every chart of accounts entry, risk classification tier, and report template follows Philippine regulatory requirements.
968 BSP-standard accounts organized in hierarchical tree structure, imported from official CDA COA specification.
PASS, ESPECIALLY MENTIONED, SUBSTANDARD, DOUBTFUL, LOSS — with configurable DPD thresholds and automatic provisioning rates.
Generate RA 9510-compliant CSV files for Credit Information Corporation submission, directly from the platform.
Track BSP/CDA report submissions with full status workflow: Draft → Submitted → Accepted/Rejected. Maintain complete compliance history.
Every journal entry is validated for balance (Total Debit = Total Credit). No deletions — only reversals with full audit trail.
Built with proven, battle-tested technologies that balance developer velocity with long-term maintainability.
Express + TypeScript
Vite + TanStack Query
Prisma ORM
Responsive UI
See how CoopVault can streamline your cooperative's operations, ensure compliance, and empower your members.