What is ZALDO and how does it work?

What is ZALDO?

ZALDO is an AI-powered collection management app designed for independent collectors, lenders, and installment sellers across Latin America. Unlike complicated alternatives, ZALDO was built for field workers who need a simple, fast tool that works without internet.

With ZALDO you can record payments with a single tap, send automatic WhatsApp reminders, and let artificial intelligence tell you who to collect from first.

How does ZALDO work?

Using ZALDO is as easy as sending a WhatsApp message. Here's how it works:

• Step 1: Register your clients with their name and phone number
• Step 2: Create loans with amount, installments, and start date
• Step 3: Collect with a single tap — ZALDO calculates everything automatically
• Step 4: ZALDO's AI tells you who to collect from today and who is about to fall behind

Why is ZALDO different from other collection apps?

Most collection apps are designed for offices and accountants. They're complicated, have dozens of unnecessary buttons, and don't work well without internet.

ZALDO is different:

• Works 100% offline — collect in rural areas with no signal
• Artificial intelligence — predicts who will default before it happens
• WhatsApp notifications — reminds your customers automatically
• Customer portal — your client sees their balance with a simple link, no download needed
• Ultra simple design — if you can use WhatsApp, you can use ZALDO

Who is ZALDO for?

ZALDO is for anyone who collects door-to-door in Latin America:

• Independent collectors managing 50 to 500 clients
• Installment sellers who sell products and collect weekly
• Route owners with teams of 2 to 20 collectors in the field
• Lenders who provide microloans and need portfolio control

Frequently Asked Questions

Does ZALDO grant credit or lend money?

No. ZALDO is exclusively a collection management tool. We do not grant credit, lend money, or operate as a financial institution.

Do I need internet to use ZALDO?

No. ZALDO works 100% offline. When you regain signal, everything syncs automatically.