Introduction

What is QFAST

QFAST (Quick Financial Access & Settlement Technology) is a BaaS middleware platform for digital financing of Indonesian UMKM through QRIS.

It automates three core processes:

Instant Disbursement — Loan funds are disbursed directly to the borrower's e-Wallet.

Automated Repayment — Installments are deducted daily from the merchant's QRIS transactions.

Real-Time Monitoring — Loan status, settlements, and escrow balance are visible on a live dashboard.

Borrowers repay through automatic daily deductions from their QRIS revenue — reducing default risk compared to conventional monthly installments.

Step	Description
Registration & KYB	Register borrower and merchant profiles for KYB verification.
Active QRIS	Upon approval and account linking, the merchant's QRIS becomes active.
Disbursement to Wallet	Loan is submitted and disbursed to the borrower's wallet.
Daily QRIS Transactions	Merchant transacts daily using their active QRIS.
Automatic Repayment Deduction	Repayments are deducted automatically from daily QRIS revenue.

Environment	Base URL
Sandbox	`https://api.sandbox.qfast.id`
Production	`https://api.qfast.id`

Next step: Obtain a Bearer token via OAuth2 — see Authentication. Then register your first merchant through Onboarding Flow.