CoopOS — The cooperative management platform for credit unions worldwide

The cost-to-feature problem

Core banking is overkill. Spreadsheets are a liability. CoopOS is the fit.

Cooperatives are forced to choose between million-peso core-banking suites built for commercial banks, generic accounting software that has never heard of a share ledger or a PAR bucket, or fragile spreadsheets that collapse under CDA examination. CoopOS is purpose-built for the middle — the cooperative that needs a real ledger and real compliance, right-sized for a mutual institution and owned outright rather than rented.

1 lifecycle

Member onboarding → shares → loans → savings → payroll → dividends, in one system

7 roles

Purpose-built workspaces for every cooperative officer — and a self-service portal for members

Double-entry GL

Every transaction auto-posted to a real general ledger — your books reconcile to the cent, on demand

Weeks, not years

Go live in a quarter — no multi-year core-banking implementation or system-integrator saga

One platform, the whole cooperative

Everything a cooperative actually needs

Not a generic accounting package with a loans bolt-on. Every module is shaped around how a credit cooperative actually operates.

Member lifecycle

Digital onboarding, KYC document upload, Board approval workflow, member number issuance and share capital subscription — in a single end-to-end process.

Share capital management

Record subscriptions, withdrawals and transfers with full share ledger history per member. Paid-up shares drive dividend computation automatically.

Full loan lifecycle

Application, credit-committee review, Board approval (maker-checker), disbursement, amortisation schedule, repayment posting, collections, write-off and GL entry — one system, no gaps.

Savings & deposits

Member savings accounts with cashier deposit/withdrawal workflow, full transaction ledger, and running balance — all posted to the GL in real time.

Payroll deduction

Register employers, generate monthly deduction batches, download the CSV for payroll processing, and reconcile repayments in a single click — automatic GL posting included.

Annual dividends

Board declares the rate, Treasurer computes each member's allocation from paid-up shares, posts to savings, and the GL balances itself — end-of-year close in minutes.

CDA report & analytics

PAR buckets (30/60/90/90+ days past due), portfolio KPIs, share capital and savings totals — exportable to CSV, ready for CDA submission and Audit Committee review.

Double-entry general ledger

Immutable journal with configurable GL accounts, auto-posted business events, manual entries, and reversal support — your books reconcile to the cent, on demand.

Role-based workspaces

Seven distinct roles — Membership Officer, Board of Directors, Treasurer, Credit Committee, Audit Committee, Member, and System Admin — each scoped to exactly its job, enforced at both API and UI layers.

See it in action

Real screens from a real, running product

Not mockups. Every screen below is live in the CoopOS demo environment today.

Member management

Every member, tracked from application to approval

The Member Directory gives Membership Officers and the Board a live view of all cooperative members — status, member number, share capital, and approval date. New members move from submitted to approved in a single Board resolution workflow.

KYC document upload and identity verification
Board approval with resolution reference
Automatic member number issuance on approval

CoopOS member directory listing all cooperative members with status and share capital

Loan lifecycle

From application to closure, no step missed

Credit Committee reviews applications in a structured workspace — amortisation schedule, document checklist, and a maker-checker approval flow that enforces separation of duties between the proposer and the Board approver.

Amortisation schedule with penalty cascade
CC proposes → Board approves (same user cannot do both)
Disbursement, repayment and write-off all auto-post to GL

CoopOS loan applications review dashboard for the Credit Committee

Compliance & reporting

Examiner-ready, every day

The CDA Report gives the Audit Committee and Board a real-time portfolio snapshot — PAR buckets by days-past-due, total share capital and savings, interest income, and member count — all from live data, not a manual extract.

PAR 30/60/90/90+ by outstanding balance
Share capital, savings, and loan portfolio totals
One-click CSV export for CDA submission

CoopOS CDA report showing PAR buckets and portfolio KPIs for the Audit Committee

Member self-service

Your cooperative, in your pocket

Members see their complete cooperative picture in one view — share ledger, savings balance, loan repayment schedule, and dividend history — without calling the office. Mobile-first, no app store required.

Share ledger with running paid-up balance
Savings account with full transaction history
Loan schedule, repayment ledger, and dividend record

CoopOS member portfolio dashboard on mobile showing share capital, savings and loan details

Watch the demos

See CoopOS in action

Two walkthroughs — one from the member's seat, one from the back office.

Member experience

Sign in, check your account, track your loan

The full member journey: one-tap sign-in, share ledger, savings balance, loan repayment schedule — everything a member needs, on any device.

Platform walkthrough

Every role, every tool — end to end

Membership Officer, Credit Committee, Treasurer, Audit Committee. Seven purpose-built workspaces, maker-checker approvals, payroll batches, dividends, and CDA reporting — all wired in from day one.

How CoopOS compares

The winning balance of cost and capability

Stacked against the four ways cooperatives run their books today.

Capability	CoopOS Purpose-built for cooperatives	Core banking suite (Temenos / FLEXCUBE)	Generic accounting (QuickBooks / Xero)	Spreadsheets / in-house
Member lifecycle (onboarding → dividends)	● Built-in	✕ Custom build	✕ Not supported	✕ Manual
Share capital ledger per member	● Built-in	◑ Generic sub-ledger	✕ Not supported	✕ Manual
Loan lifecycle with amortisation & penalties	● Built-in	● Yes	✕ Not supported	✕ Manual
Maker-checker approval (CC → Board)	● Built-in	◑ Configurable	✕ None	✕ Manual
Payroll deduction batches & reconciliation	● Built-in	◑ Integration project	✕ None	✕ Manual
Annual dividend compute & GL posting	● Built-in	◑ Custom	✕ Manual entry	✕ Manual
CDA PAR reporting (30/60/90/90+ buckets)	● Built-in	◑ Custom report	✕ None	✕ Manual
Double-entry GL & audit trail	● Immutable	● Yes	● Yes	✕ Error-prone
7 RBAC roles with distinct workspaces	● Built-in	● Yes (generic)	◑ Limited	✕ None
RA 9520 Cooperative Code compliance	● Built-in	✕ Custom build	✕ Not localized	✕ Manual
Time to go live	● Weeks	✕ 12–24 months	◑ Days (but no coop features)	● Immediate*
Source code ownership & white-label	● You own & rebrand it	✕ Vendor-locked	✕ Vendor's product	◑ Files only
Hosting & data residency control	● Your infra, any region	◑ Vendor-defined	✕ Vendor cloud only	◑ Your device
Commercial model	● One-time perpetual licence	✕ Licence + system integrator	✕ Recurring per-seat SaaS	◑ Cheap, then costly

● built-in · ◑ partial / requires work · ✕ not available. *Spreadsheets are "free" until the first CDA examination finding, reconciliation error, or growth ceiling. Vendor names are illustrative of each category, not endorsements.

The sweet spot

Maximum capability, minimum overhead

Capability →

Core banking

Generic accounting

Spreadsheets

CoopOS

Cost / complexity →

Right-sized for cooperatives

Credit cooperatives, savings cooperatives, credit unions and MFIs get bank-grade controls without a bank-grade budget, headcount, or a two-year implementation project.

Live in a quarter, not a saga

Pre-built cooperative workflows — share capital, loan lifecycle, payroll deduction, dividends — mean you configure and launch instead of funding a multi-year core-banking integration.

Compliance is the default, not a project

RA 9520, CDA reporting, Data Privacy Act obligations, and maker-checker controls are wired into the workflow — so you pass examinations because the system never let you off the rails.

Built to scale with the membership

From your first hundred members to a multi-branch cooperative with payroll deduction batches and annual dividend cycles — one platform grows with you.

Ownership, not rental

You own your cooperative platform — source code and all

CoopOS is not SaaS. Under a source-available licence you receive a copy of the source code, brand it as your own, deploy it wherever you choose, and keep full control of your data and your roadmap.

The source code is yours

You receive the complete source under a perpetual licence. Read every line, audit it, and never be held hostage to a vendor's roadmap or release cadence.

Brand it entirely as your own

White-label from the ground up — your cooperative's name, logo, colors and domain across the member portal and staff console. Ship it as your product, not ours.

Host it anywhere

Your cloud, your on-prem data centre, your region of choice — Philippines, UK, or anywhere else. No mandatory vendor cloud, no per-seat metering, no usage caps.

Your data never leaves your control

Member PII and financial records sit in infrastructure you own — making Data Privacy Act (RA 10173) and UK GDPR compliance far simpler to demonstrate and audit.

Customize without limits

Modify and extend the platform for your cooperative's own workflows and by-laws. The code is yours to evolve — by your team or ours — as the membership grows.

Perpetual licence

A one-time licence to the delivered version, yours to run indefinitely. No subscription that can be switched off, no renewal leverage held over you.

Source-available, not open-source. You get the code for your own internal business use, with the right to brand, host, modify and run it in perpetuity. Reselling it or offering it to third parties as a service is reserved. The full terms are short and in plain English.

Read the licence terms →

Who builds & delivers CoopOS

Enterprise software pedigree, delivered at AI speed

CoopOS pairs decades of business-critical engineering with an AI-powered delivery model — so you get depth and speed, not a trade-off between them.

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BlastAsia Inc.

Implementation partner

For 25 years, BlastAsia has built and implemented business-critical software for global enterprises — bringing deep engineering discipline, domain expertise and delivery rigor to every CoopOS deployment.

A quarter-century building global, business-critical systems
Enterprise-grade engineering & delivery practices
Hands-on, local implementation and support

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Xamun.ai

AI-Powered Software Factory

Xamun is an AI-powered software factory that brings speed and reliability to commercial software delivery at scale — compressing what once took years into months, without sacrificing quality.

AI-accelerated build and delivery
Reliability and quality engineered in at scale
Faster time-to-market for commercial software

See CoopOS run your cooperative

Book a 30-minute walkthrough, or jump straight into the live demo environment and explore it yourself.

Book a walkthrough → Open the live demo

From membership to dividends, every transaction in one system.