How it works

How Estardat works.

A neutral marketplace connecting companies, licensed agencies, and debtors — under one secure, audit-ready workflow.

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End-to-end flow

From upload to payout.

Client Company
- Upload
- Validate
Estardat
- Assign
Collection Agency
- Contact
- Negotiate
Debtor
- Verify (Nafath)
- Pay
Settle & Payout
- Settle
- Payout

Smart Assignment Engine

Every case routed to the best-fit agency.

Assignment factors

IndustryDebt amountDebt ageLocationExpertiseSuccess rateClient preferencesAvailability

Match scoreAssigned agency

Automatic

Engine picks the best-fit agency and assigns immediately.

AI-recommended (approval)

Ranked recommendations awaiting an admin approval.

Manual

Admin assigns the case manually with full visibility.

Protected communication

Numbers hidden. Everything logged.

Channel	Protection
Internal Chat	All messages logged & auditable.
Voice Calls (routed)	Numbers masked; calls routed through Estardat.
WhatsApp	Through verified business templates.
SMS	Approved senders, full log.
Email	Routed through estardat.sa with logging.
Logs	Immutable audit retained for 7 years.

Payments & settlement

Three payment types. One settlement engine.

Full payment

Debtor settles the entire balance.

Partial payment

Part of the balance, the case remains open.

Negotiation

Settlement plan negotiated within authority.

Tiered settlement approvals

AgentAgency ManagerCompany AdminCompany Super Admin

Collected

SAR 10,000

20% commission

To company: SAR 8,000
Total commission: SAR 2,000
Agency share: SAR 1,200
Platform share: SAR 800

Worked example — SAR 10,000 collected → 20% total commission → platform 8% (SAR 800), agency 12% (SAR 1,200), principal to company SAR 8,000.

Nafath verification

Identity confirmed before action.

When verification triggers

First access
Viewing case details
Payment over a threshold
Entering negotiation
Changing contact info

Flow

1Link
2Nafath screen
3Confirm in app
4Success / failure

AI Copilot & Insights

Context-aware help. Proactive insights.

AI Copilot

Context-aware. Bilingual (EN/AR). Detects inactivity, hesitation, and errors — and steps in with the right help.

Operational insights

Recommendations, trends, and alerts tailored to each party — surfaced in-line where you work.

For companies

Upload, track, settle. Receive funds net of commission.

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For agencies

Receive matched cases. Negotiate, settle, get paid.

Open page

Start with sandbox access.

Walk through the full flow with real-looking data.