HypoCloud AI — How DETAY Tech Reduced Swiss Mortgage Processing from 5 Hours to Under 10 Minutes
HypoCloud AI is a proprietary AI platform built by DETAY Tech for Hypocloud GmbH — a Swiss mortgage technology company. The platform processes mortgage pre-checks automatically, reducing processing time by 94%: from one full working day to under 10 minutes per case. Built with Swiss FADP compliance as a baseline requirement, deployed and active in Switzerland.
The challenge — mortgage pre-checks that consumed a full working day
Hypocloud GmbH connects borrowers with financial institutions across Switzerland. At the core of their process is the mortgage pre-check — a structured assessment of a client’s financial situation against the lending criteria of multiple banks.
Before HypoCloud AI, every pre-check required a financial advisor to manually review client documents, extract financial data, cross-reference it against each bank’s criteria, and produce a written assessment report. From document receipt to completed report: one full working day per case.
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This created a hard ceiling on capacity. Every additional client required proportionally more advisor time. Scaling the business meant scaling headcount — slow, expensive, and operationally complex.
What DETAY Tech built — the HypoCloud AI Engine
DETAY Lab built the HypoCloud AI Engine — a proprietary AI platform designed specifically for the Swiss mortgage pre-check process.
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The client uploads their financial documents through the platform interface. The HypoCloud AI Engine reads every document, identifies and extracts the relevant financial data points, validates the extracted data for completeness and consistency, and cross-references the result against the lending criteria of each relevant bank. The system then generates a complete, structured pre-check report automatically — formatted to the standard required for submission. No human intervention required between document upload and report generation.
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The platform was built with Swiss FADP compliance for all personal and financial data, encryption in transit and at rest, full audit trail for every document processed, and role-based access control for all system users.
The result — 94% reduction in processing time
Mortgage pre-check processing time reduced from one full working day to under 10 minutes per case.
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The same team now processes significantly more cases per week without any increase in headcount. Clients receive pre-check results the same day — in most cases within the hour. Advisor time is freed from document processing and redirected to client relationships and business development.
For Swiss financial services companies
If you are a Swiss financial services company with a high-volume document processing workflow, DETAY Tech can assess whether an AI solution is technically and commercially viable for your specific process. The assessment is free and takes 30 minutes.
