Get the loan disbursed. Don't get stuck on the stamp.
Client duty money belongs in one ledger. Your platform fees belong in another. Your finance team's reconciliation shouldn't have to untangle the two every month — and your loan ops team shouldn't be logging into MyTax at all.
What changes for your loan ops
What changes for you
Duty Wallet funds duty; Service Credits fund platform use. Each reports on its own. Finance has a clean story every month.
Upload through the web app for ad-hoc loans, or submit programmatically via the Partner API when volume warrants it.
If LHDN queries a submission, our team handles it offline. Your team keeps working the next file.
The things that go away
Stamping shouldn't slow down disbursement or wreck your month-end reconciliation.
Commingled ledgers that finance has to untangle every month.
Per-loan MyTax data entry when your LOS already has the fields.
Loan ops interrupted by post-submission LHDN questions.
What we absorb for you
You review and confirm. Everything below that is handled.
Duty settled from the client's Duty Wallet. Certificate stored against the loan record once LHDN issues it.
Handled offline by our team. No MyTax login for your ops team.
Calculated per document type against current Stamp Act rates. Consistent across branches and teams.
Loan documents encrypted at rest. Every action on every file recorded in the audit trail. Access scoped by role.
Two routes, depending on your volume
Ad-hoc loans go through the web app. High-volume origination goes through the Partner API.
Upload the signed loan agreement, review extracted fields, confirm. Certificate stored against the loan record.
Submit programmatically from your LOS. Webhooks return status and certificate. Your system stays in the loop.
Under the hood
For engineering teams integrating from a loan origination system.
POST /api/integration/loan/submit
ContractConfirmed, ContractProcessing, ContractCompleted, ContractFailed
HMAC-SHA256 with per-partner credentials.
See the Integration Quickstart and API Reference.
Loan stamping, answered.
Duty Wallet vs. Service Credits. Each reported separately in finance-facing reports.
Yes. Loan and facility agreements are supported through the web app and the Partner API.
Encrypted at rest, full audit trail per file, role-scoped access.
Loan agreement stamp duty is ad-valorem, calculated based on the loan amount and instrument type per the Stamp Act. Kenal Stamps calculates this per document type against current rates.
Handled offline by our team. We reach out to your finance team only if we need input.
Yes. The Partner API is built for it. See the integration docs.