CreditBay

A debt-recovery platform where AI voice agents make the calls.

  • python
  • fastapi
  • postgres
  • next.js
  • sip.js
  • terraform
  • gcp

An ERP service holds the portfolio; a CRM service runs campaigns, dispatches calls, processes outcomes and manages payment agreements.

Problem

Debt collectors call thousands of accounts a day, and every idle rep or missed callback costs money.

Decisions

  • A FastAPI monorepo split into ERP and CRM services, hexagonal + DDD, strict TDD.
  • AI voice agents make the outbound calls instead of a human dialer.
  • Automatic Machine Detection hangs up on voicemail before it counts against call cost.
  • A Next.js front end with an in-browser softphone.

Results

  • 20 → 600 calls / min
  • ~90% lower call cost (via Automatic Machine Detection)

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