# DRMS > DRMS is a multi-tenant debt recovery management system for lenders, fintechs, microfinance banks, BNPL providers and collection agencies. It provides an immutable integer-money loan ledger, payment reconciliation, collections case management, maker-checker approvals, a borrower portal, consent and compliance controls, a REST API with OAuth and signed webhooks, and analytics. Automation never changes balances or approves anything. It is self-hosted PHP 8.1+ with MySQL/MariaDB or SQLite. No certification or independent penetration test is claimed. ## Key pages - [Home](https://drms.srm.com.ng/public/): overview - [Pricing](https://drms.srm.com.ng/public/pricing): plans and limits - [Contact](https://drms.srm.com.ng/public/contact): request a demo ## Product - [Everything a lender needs to recover debt — in one controlled platform](https://drms.srm.com.ng/public/features): Immutable ledger, recovery case management, maker-checker approvals, borrower portal, compliance controls, API and analytics in one multi-tenant platform. - [An immutable loan ledger you can trust and reconcile](https://drms.srm.com.ng/public/features/immutable-ledger-and-reconciliation): Append-only loan ledger with integer money, idempotent posting, reversals instead of edits and reconciliation queues for mismatched payments. - [Collections case management that keeps officers focused](https://drms.srm.com.ng/public/features/collections-case-management): Automatic case opening at your days-past-due rule, explainable priority, promises to pay, tasks, bulk assignment and officer capacity. - [Maker-checker approvals for every decision that moves money](https://drms.srm.com.ng/public/features/maker-checker-approvals): Two-person approvals for settlements, write-offs, refunds and balance adjustments with authority levels, reasons and a hash-chained audit trail. - [A borrower portal that makes paying and resolving issues easy](https://drms.srm.com.ng/public/features/borrower-portal-and-payments): Borrowers view balances and statements, pay online, request arrangements, and raise complaints or disputes — all logged for the lender. - [Compliance controls that are enforced, not just documented](https://drms.srm.com.ng/public/features/compliance-and-consent): Consent and opt-out enforcement, send windows, message caps, legal holds, retention, data-subject requests and complaint SLAs. - [Integrate your loan system, bank and providers](https://drms.srm.com.ng/public/features/api-and-webhooks): REST API with scoped keys and OAuth client credentials, OpenAPI description, idempotent writes and HMAC-signed outbound webhooks with retries. - [Analytics you can explain to a regulator or a board](https://drms.srm.com.ng/public/features/analytics-and-reporting): Roll rates, monthly cohorts, officer and agency performance, complaint trends and documented metric definitions from the verified ledger. - [A multi-tenant platform with isolation as a first principle](https://drms.srm.com.ng/public/features/multi-tenant-platform): One platform, many lenders: strict tenant isolation, plans and entitlements, sandboxes, health monitoring, encrypted backups and audit. ## Solutions - [Collections software for microfinance banks](https://drms.srm.com.ng/public/solutions/microfinance-banks): Manage delinquent loans, group and individual recovery, field officers, arrangements and write-offs with approvals and audit for microfinance banks. - [Debt recovery software for digital lenders and fintechs](https://drms.srm.com.ng/public/solutions/digital-lenders): API-first recovery for digital lenders: sync loans, automate approved reminders, verify online payments and keep every contact auditable. - [Collections management for buy-now-pay-later providers](https://drms.srm.com.ng/public/solutions/bnpl-providers): Handle small-ticket, high-volume instalment recovery for buy-now-pay-later: automated reminders, arrangements and disputes with controls. - [Software for collection agencies and outsourced recovery](https://drms.srm.com.ng/public/solutions/collection-agencies): Run client portfolios with tenant isolation, agent visibility limits, commissions, expenses and audit evidence for each assignment. ## Guides - [A practical debt recovery workflow for lenders](https://drms.srm.com.ng/public/resources/debt-recovery-workflow): A step-by-step debt recovery workflow for lenders: early reminders, case opening, contact, promises, arrangements, legal referral and write-off. - [What is maker-checker (four-eyes) and why lenders use it](https://drms.srm.com.ng/public/resources/what-is-maker-checker): Maker-checker means one person proposes and another approves. Learn why it matters for settlements, write-offs and refunds, and how to implement it. - [Collections KPIs every recovery team should define](https://drms.srm.com.ng/public/resources/collections-kpis-roll-rates): Define and use core collections KPIs: roll rate, cure rate, recovery rate, promise-kept rate and cost to collect — with clear numerators and denominators. - [Immutable loan ledgers explained](https://drms.srm.com.ng/public/resources/immutable-ledger-explained): An immutable (append-only) ledger records every debit and credit permanently and corrects errors by reversal. Learn the benefits and design rules. - [A lawful and ethical debt collection checklist](https://drms.srm.com.ng/public/resources/lawful-debt-collection-checklist): A practical checklist: consent, contact hours, accurate information, dispute handling, complaint SLAs, data protection and record keeping. - [How to evaluate debt recovery software](https://drms.srm.com.ng/public/resources/how-to-evaluate-debt-recovery-software): Questions to ask when choosing debt recovery or collections software: ledger integrity, approvals, tenant isolation, integrations, compliance, security and cost. ## Reference - [Security built into the platform](https://drms.srm.com.ng/public/security): Tenant isolation, MFA, re-authentication, AES-256-GCM encryption, hash-chained audit trail, append-only ledger, SSRF-safe webhooks and key rotation. - [Ethical, lawful collection — enforced in the workflow](https://drms.srm.com.ng/public/compliance): How the platform helps lenders enforce consent, contact windows, disputes, holds, retention and data-subject requests under their own policies. - [Frequently asked questions](https://drms.srm.com.ng/public/faq): Answers about DRMS: what it is, who it is for, ledger accuracy, approvals, security, integrations, hosting, pricing and getting started. - [About DRMS](https://drms.srm.com.ng/public/about): DRMS is a multi-tenant, framework-free debt recovery management system built around accurate ledgers, human approvals and lawful, auditable collections. - [Debt recovery and collections glossary](https://drms.srm.com.ng/public/glossary): Plain-language definitions: days past due, roll rate, maker-checker, idempotency, write-off, arrears, promise to pay, DSAR and more. ## Optional - [Full text of all public pages](https://drms.srm.com.ng/public/llms-full.txt) - [OpenAPI description](https://drms.srm.com.ng/public/api/v1/openapi.json)