Conversational nudges and reminders
Approved templates, opt-in respect, and full reply attribution into the same contact timeline. Borrower replies don't orphan in a different inbox.
Channels · the multiplexer
Five channels in. One signal out.
The MUX in Credmux is the multiplexer — the layer that takes five borrower channels and combines them into one coherent workflow without losing context, compliance, or attribution.
Five channels in · one signal out · zero context loss
The five inputs
Each channel does what it's good at.
No channel pretends to be another. WhatsApp converses. SMS reaches. Voice negotiates. Email documents. Field verifies. The multiplexer is what makes them work as one.
SMS
High-volume, India-compliant messaging
DLT-aligned headers, content variants per portfolio, and delivery telemetry that flows back into attribution.
Voice
Predictive calling
Browser-based dialing, wrap-up locks, listen/whisper/barge supervision, and 100% recording with retention-aware policy.
Transactional and bulk reach
Templates, scheduling, and inclusion in the same multi-step sequences as messaging and voice.
Field
Geo-anchored physical visits
Stitched into the same timeline as digital and voice. Photo evidence, on-site receipts, and cash reconciliation all in one place.
Why convergence matters
The cost of disconnected channels is invisible — until audit.
Every recovery team that runs five disconnected channels eventually ships the same audit answer: “we'll have to pull the logs from each system and reconcile.” Credmux makes the reconciliation unnecessary because the convergence already happened.
One contact, one timeline
Every interaction, regardless of channel, attaches to the contact in order. Agents stop tab-hopping; supervisors stop reconciling spreadsheets.
Compliance at send time
Calling windows, frequency caps, DNC checks, and template approval all run before the message or dial leaves. Non-compliant sends never happen — they don't need to be caught later.
Integrated Tier-1 Providers
Credmux partners with fixed, reliable Tier-1 telecom providers out of the box. No BYOC complexity, no messy contract migrations—just reliable connections from day one.
Reply attribution that works
When a borrower replies, the platform attaches the reply to the right outbound — by provider thread, by explicit quote, and by a configurable fallback window — with confidence persisted.
Up next
The intelligence that decides which channel to use, when.
Smart Collect Orchestrator sits on top of the multiplexer and picks next-best channel, timing, and content per contact — auditable end to end.
Book a 30-minute walkthrough
See Credmux run a real recovery workflow.
We'll show calling, Smart Collect attribution and decisioning, payment-link orchestration, and field visit evidence — using common DPD bands and industry-standard workflows.
Book a walkthrough
Or write to hello@credmux.com