CoopVault runs the whole cooperative — multi-branch lending, savings and time deposits, share capital, double-entry accounting and automation — then extends it to the channels members actually use: ATM and debit cards, POS acquiring, QR payments, and ISO 20022 interbank transfers, with fraud monitoring and CDA/BSP reporting built in.
From member onboarding to interbank settlement, CoopVault covers the full cooperative lifecycle in one unified platform — no bolt-ons, no reconciliation between systems.
Register and manage members with full KYC profiles, board approval workflow, and duplicate detection on TIN, SSS, and name plus date of birth. Associate-to-regular upgrades enforce PMES completion and share capital thresholds.
Full lifecycle from application through credit committee approval, release, payments, and closure. Four disbursement types, five release methods including check tracking and credit-to-savings, plus early payoff quotes, restructuring, and write-off.
Deposits, withdrawals, and member-to-member transfers with running balances and a full subsidiary ledger. Share capital subscriptions, payments, and refunds post to the GL automatically and can never be edited around.
Five deposit product types — regular, youth, senior, premium savings and time deposits — with tiered interest, eligibility rules, and product-level configuration. Full TD lifecycle: placement, accrual, maturity, pre-termination, and rollover.
Double-entry bookkeeping on a 968-account BSP-standard chart of accounts. 38 auto-posting event types drive balanced journals from every business event, with configurable posting rules, reversals, and period management.
Every query, document number, and journal is branch-aware. Staff see only the branches they are entitled to, cross-branch transactions post paired due-from/due-to settlement journals, and closed branches stop taking new business automatically.
BSP/CDA 5-tier risk classification with automatic provisioning posted at the branch that owns each loan. Collection task management with promise-to-pay tracking, contact logs, priority escalation, and overdue letter generation.
33 report types spanning core financials, loan portfolio and aging, deposit liabilities and concentration, PDIC coverage, card and merchant acquiring, and inter-branch reconciliation — every one exportable to PDF and CSV.
Members check loans, savings, share capital, and transaction history on the web portal or the Android app. They can apply for loans with live eligibility checks, transfer between their own accounts, and send funds to another member.
14 batch jobs cover overdue marking, penalty assessment, collection tasks, savings and loan interest accrual, dormancy, time deposit maturity, and card expiry. Dividend declaration computes, approves, and distributes with per-member payout references.
Issue and manage member debit cards against an in-house ISO 8583 switch. Terminal gateway, PIN block and working key handling, authorization holds, cassette cash tracking, end-of-day settlement, and a hot card list.
Turn member businesses into accepting merchants. Onboarding with KYC, configurable merchant discount rates, POS purchase and refund flows, QR payments including QRPh, merchant settlement, and a full dispute and chargeback workflow.
Send and receive interbank payments on modern ISO 20022 messaging — pacs.008 credit transfers, pacs.002 status reports, pacs.004 returns, and camt.053/054 statements — with per-channel configuration, a message inspector, and a simulator for testing.
Three layers in one module: transaction monitoring with velocity and amount-anomaly rules, nine internal detectors watching staff behaviour from self-reversals to dual-control breaches, and a member self-service “was this you?” verification portal.
Dynamic RBAC with 202 permissions across 38 groups and a visual matrix editor. TOTP/MFA, account lockout, live privilege revocation, webhooks, database backups, notification templates, and a complete audit trail.
Most cooperative systems stop at the ledger. CoopVault carries the same records all the way out to the card, the terminal, the QR code, and the interbank message — so there is nothing to reconcile between systems.
An in-house ISO 8583 switch authorizes withdrawals and purchases against member savings in real time, holds funds at authorization, and posts to the GL at end-of-day settlement.
Member-owned businesses accept card and QR payments through the cooperative itself, keeping the discount income inside the co-op instead of paying it to an outside acquirer.
The messaging standard Philippine payment rails are standardizing on, implemented natively — with a legacy webhook bridge so older integrations keep working during the transition.
Members transact without visiting a branch — on the web portal or the native Android app, both reading the same records staff see, with no separate member database.
Every feature is designed around the real workflows of Philippine cooperatives, from board-level approvals to teller-level transactions.
38 registered event types — loan releases and payments, deposits and withdrawals, time deposit maturities, card settlements, merchant payouts, inbound transfers, dividends — each generate balanced journal entries through configurable posting rules, in the same database transaction as the movement itself.
202 granular permissions across 38 groups, 7 system roles plus merchant and integration admins, and a visual permission matrix editor. TOTP two-factor with backup codes — and a privilege change takes effect on the user's next request, not their next login.
Multi-branch is not a filter bolted on later. Scope is enforced on every query, provisions post at the branch that owns the loan, dividend payouts reserve references at the branch that hands over the cash, and cross-branch movements settle through paired due-from/due-to journals.
Dedicated approval queue with batch approve/reject, required remarks for rejections, co-maker validation, and a recorded status transition for every move a loan makes — the same history that feeds the credit bureau filing.
Transaction and internal-staff monitoring run after the money moves, never in front of it — so a scoring outage can raise no alert, but it can never decline a member's withdrawal or roll back a posted journal.
Guided month-end process with preview: interest accrual and reversal, provision runs, and period locking. Open → Closed → Locked lifecycle with journal posting guards, and accruals that stay idempotent if a run is repeated.
26 SMS and email notification templates with per-member opt-out, in-app alerts, webhook event delivery with retry and delivery logs, and scheduled database backups with audited downloads.
A consistent design system across every screen, with light and dark themes that follow the user, global keyboard search, contextual in-app help, and a 13-chapter user guide built into the product.
CoopVault is designed from the ground up for CDA, BSP, PDIC, and CIC requirements. Every chart of accounts entry, risk classification tier, and report template follows Philippine regulatory practice.
968 BSP-standard accounts organized in a hierarchical tree, imported from the 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, with as-of loan status drawn from recorded transitions rather than today's value.
Deposit liabilities by product, depositor concentration, dormant accounts, interest expense, and PDIC insured-coverage estimates — the inputs supervisors ask for.
Track BSP, CDA, CIC, PDIC, and BIR filings through Draft → Submitted → Acknowledged/Rejected. Records are never hard-deleted — only reversed or retired, always with a trail.
Built with proven, battle-tested technologies that balance developer velocity with long-term maintainability.
Express + TypeScript
Vite + TanStack Query
Prisma ORM — 70 models
Light & dark themes
See how CoopVault can streamline your cooperative's operations, ensure compliance, and empower your members.