# Frequently Asked Questions Find quick answers to common questions about our products, integration, pricing, and support. ## All Questions ### What is Knight Utopia and what does it offer? Knight Utopia is our comprehensive digital lending platform that includes Co-lending, Digital Lending, and Supply Chain Finance solutions. It provides end-to-end loan origination, management, and collection capabilities with AI-powered credit decisioning, customizable workflows, and seamless integrations. ### What makes Knight Aurix different from other lending apps? Knight Aurix is a white-label mobile lending platform that combines multiple engagement channels (mobile app, WhatsApp chatbot, UPI credit line) with embedded finance capabilities. It offers real-time digital onboarding, customizable credit solutions, and comprehensive management tools-all under your brand. ### Can I use multiple Knight FinTech products together? Absolutely! Our product ecosystem is designed to work seamlessly together. For example, you can use Knight Utopia for your core lending operations while deploying Knight Aurix for customer engagement and Knight Beacon for treasury management. All products share a unified data architecture and API framework. ### What is Knight Beacon Treasury Management? Knight Beacon is our treasury and asset management platform that helps financial institutions optimize cash flow, manage liquidity, automate reconciliation, and maintain comprehensive financial reporting. It provides real-time visibility into your entire financial operations. ### How long does it take to integrate Knight FinTech solutions? Integration timelines vary by product and customization needs. Typically, Knight Aurix can be integrated in 48 hours for standard implementations. Knight Utopia digital lending platform takes 2-4 weeks for full implementation. We provide comprehensive API documentation, sandbox environments, and dedicated technical support throughout the process. ### What technical requirements are needed for integration? Our solutions are built on modern REST APIs with support for webhook notifications. You'll need: API authentication credentials (provided by us), HTTPS endpoints for callbacks, and basic JSON processing capabilities. We support integration with most core banking systems, LOS/LMS platforms, and payment gateways. ### Do you provide API documentation and testing environments? Yes! We provide comprehensive API documentation with code samples in multiple languages (Python, JavaScript, Java, PHP), interactive API explorers, and fully-featured sandbox environments. Our technical team also offers integration workshops and ongoing support. ### Can Knight FinTech integrate with our existing systems? Our platform is designed for flexibility and supports integration with major core banking systems (CBS), loan origination/management systems (LOS/LMS), payment gateways, credit bureaus, e-KYC providers, and accounting software. We also offer custom integration services for proprietary systems. ### What kind of customer support do you provide? We offer multi-tiered support: Email support (support@knightfintech.com), Phone support during business hours (Mon-Fri, 10 AM - 7 PM IST), Dedicated account managers for enterprise clients, 24/7 critical issue hotline for production systems, Technical documentation and knowledge base, and Regular training sessions and webinars. ### Do you provide training for our team? Yes! We provide comprehensive training programs including: Initial onboarding training for all users, Role-specific training (admin, operations, support), Developer training for technical teams, Ongoing webinars for product updates, and Video tutorials and documentation. Training can be conducted online or on-site. ### What is your average response time for support tickets? Our response times are: Critical issues (production down): 1 hour, High priority (major functionality issues): 4 hours, Medium priority (minor issues): 24 hours, Low priority (general inquiries): 48 hours. Enterprise clients receive faster response times based on their SLA agreements. ### Can you help us migrate from our current system? Absolutely! We provide full migration support including: Data mapping and validation, Historical data migration, Parallel testing periods, User training and change management, Go-live support, and Post-migration monitoring. Our migration specialists work closely with your team to ensure minimal disruption. ### How do you ensure data security and privacy? We implement enterprise-grade security: End-to-end encryption (TLS 1.3), Data encryption at rest (AES-256), Multi-factor authentication (MFA), Role-based access control (RBAC), Regular security audits and penetration testing, SOC 2 Type II compliance (in progress), GDPR and local data protection compliance, and Secure cloud infrastructure with automatic backups. ### Are you compliant with RBI Digital Lending Guidelines? Yes! Knight FinTech is fully compliant with RBI's Digital Lending Guidelines including: LSP registration and compliance requirements, Customer data privacy and consent management, Transparent pricing and disclosure norms, Automated disbursement to borrower accounts, Standardized loan agreements, and Regular compliance reporting. We stay updated with all regulatory changes. ### Where is our data stored and who has access? Your data is stored in ISO 27001 certified data centers in India with automatic geographic redundancy. Access is strictly controlled: Only authorized personnel with proper authentication can access systems, All access is logged and monitored, No third-party access without explicit consent, Role-based permissions limit data visibility, and Regular access audits are conducted. You maintain complete ownership of your data. ### What happens to our data if we stop using Knight FinTech? You retain full ownership of your data. Upon contract termination: We provide complete data export in standard formats (CSV, JSON, PDF), All your data is securely deleted from our systems within 30 days, You receive data deletion certificates, No data is retained except what's legally required, and We assist with migration to other systems if needed. Your data portability rights are fully respected. ### Can I white-label Knight FinTech solutions? Yes! All our solutions support white-labeling. You can customize: Brand colors, logos, and themes, Mobile app UI/UX (Knight Aurix), Email templates and communication, Customer-facing portals, and Domain names and URLs. Your customers will only see your brand throughout their journey. ### Do you support multi-lender/co-lending workflows? Absolutely! Our platform is designed for co-lending with features like: Multi-lender origination and approval workflows, Automated fund routing and disbursement, Revenue/risk sharing calculations, Consolidated reporting across lenders, Compliance with RBI co-lending guidelines, and Automated reconciliation between partners. ### How often do you release updates and new features? We follow an agile development cycle: Minor updates and bug fixes: Weekly, Feature releases: Monthly, Major platform updates: Quarterly. All updates are backward compatible and thoroughly tested. Clients receive release notes in advance and can schedule updates during off-peak hours. ### Do you have disaster recovery and business continuity plans? Yes! We maintain: Real-time data replication across multiple data centers, Automated daily backups with 30-day retention, 99.9% uptime SLA with redundant systems, Disaster recovery plan with 4-hour RTO, Regular DR drills and testing, and 24/7 system monitoring with automated alerts. Your operations remain protected even during unexpected events.