BankIA family · savings and credit cooperatives

CooperativIA

Digital banking for savings and credit cooperatives: members, contributions, loans and administration on the BankIA engine, with the cooperative's own brand and vocabulary. Published as a demo at coop.jsadsai.com.

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What is included

Everything your cooperative manages, in one place

CooperativIA manages contributions, loans, amortization and arrears for all members, validates rates against the current usury cap and gives every member their statement, with your cooperative's name, colors and vocabulary.

It is a brand profile on BankIA's exact engine: name, logos, palette and vocabulary are rewritten on the server without touching the banking code, so the cooperative gets its own instance — separate domain, database and scheduled jobs — with the same ledger, auditing and controls.

And it says it plainly: it does not hold members' money, does not decide who gets a loan and does not replace the cooperative's regulatory compliance.

Who it is for

  • Savings and credit cooperatives that want their own platform under their brand.
  • Employee funds and associations with a loan portfolio.
  • Credit committees that need validated rates and recorded decisions.
  • Assemblies that want to see the portfolio at a glance.

Requirements and delivery

  • Assisted installation by jsadsAI on a server (VPS) of yours or ours.
  • Assisted installation by jsadsAI on a server (VPS) of yours or ours.
  • Brand, vocabulary, domain, countries and languages are set when your instance is created.
  • One-time sale; support and updates are contracted monthly.
Modules

What it includes

Published on bankia.jsadsai.com/soluciones/cooperativa.

MembersA record for each member with identity verification, accounts, contributions and loans.
See the full product page ↗
ContributionsRecorded per member with date, receipt and an always-current statement.
Loans and amortizationPrincipal, term and rate per loan, with an installment table and payments applied in exact decimal arithmetic.
Validated usury capFor loans in pesos, the platform compares the rate with the current usury cap and does not allow a higher one.
Arrears and follow-upWho is current, who is in arrears and how much they owe, with alerts and the status of each loan.
Portfolio at a glanceTotal placed, current, in arrears and due: the dashboard the assembly wants to see.
Statements and certificatesEach member views and downloads movements, statements and certifications.
Member login ↗
Console with dual controlRoles and permissions, dual-control approvals and an audit of every administrative action.
Full white labelIdentity, vocabulary and own instance: your cooperative's data is never mixed with anyone else's.
Plans and prices

Pick your plan

Official prices from the jsadsAI catalog. Payment is in Colombian pesos through Wompi; a price in US dollars is converted at the exchange rate of the purchase day.

CooperativIA · Licencia

Banca digital para cooperativas de ahorro y crédito con tu marca: venta de la plataforma, pago único.

CooperativIA · Módulo a medida · from $ 1.900.000 COP · quoted — ask

You pay on Wompi. The jsadsAI Core creates the order and we email you the confirmation. Taxes and scope are confirmed at checkout.

Add-ons and modules

They are added to the plan you pick, above.

CooperativIA · Soporte y actualizacionesSoporte y actualizaciones de la instalación, por mes.
$ 990.000 COP / month
CooperativIA · Módulo a medidaDesarrollo a medida: desde este importe, se cotiza.
From $ 1.900.000 COP
Versions and updates

Current version and how we notify you

Current version: will be published with the product manifest before sale

  • Semantic versioning (MAJOR.MINOR.PATCH) for every product; each sale records the version delivered.
  • Patches and minors (fixes and improvements that do not change how you work): announced and installed on a schedule, with a prior backup and rollback.
  • Majors (change screens or flows): announced 30 days ahead with release notes; you may stay on the previous version, with security support for 12 months for the last minor of each major, or contract a custom module that keeps the old behavior.
  • An update never removes your data or modules you paid for.
Documentation and support

Everything you need to know

Support and FAQFull product page on BankIA · Features, flow, limits and price ↗

The contract, manual and getting-started guide of each product are delivered with the license; they will appear here once published.

FAQ

Before you buy

What is CooperativIA?

CooperativIA is the savings-and-credit cooperative software of the BankIA family, created by jsadsAI | José Santamaría: members, contributions, loans with amortization, validated usury caps, arrears, statements and a dual-control console, under your cooperative's brand and vocabulary. It is published as a demo at coop.jsadsai.com.

How is it different from BankIA?

They share the same technology base. CooperativIA is the configuration for cooperatives: another name, another vocabulary (member, contributions, installment) and the sector's own rules.

Does the platform approve loans?

No. The cooperative's committee decides; CooperativIA records who approved, when and under which conditions, and validates that the rate does not exceed the current usury cap.

Does it report to credit bureaus?

Not yet: that integration does not exist. It is also not a supervised entity and does not replace the cooperative's regulatory compliance.

Need something different?

Tell us your case: we quote the installation, the modules and the support that fit you.

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