Univa builds and operates production software. The six products below are live, in active use, or, in the case of our flagship product, a fully built platform demonstrated end to end. None are concept slides. Where a product was built for a specific client business, the client's name is withheld and the product is described accurately without identifying them.
1. Keystone: AI Financing Recovery Engine
One line value proposition: Turns a bank's declined home financing buyers into recovered, bankable sales, or a structured path back to one, instead of a dead pipeline.
What it does:
- Onboards a rejected buyer through a mobile-first buyer journey, English by default with a Bahasa Malaysia toggle, with PDPA consent built in from the first screen, then guides the document upload that feeds re-underwriting.
- Recomputes eligibility with an SJKP-aware engine that reads gig and platform income the way the national housing loan guarantee reads it, not the way a standard bank haircut reads it, so buyers a bank declines can still clear the guarantee's own criteria.
- Assembles an alternative-income evidence pack and generates a bankability dossier for a participating bank, so an approvable file reaches the bank looking approvable.
- Tracks a rent-to-own bridge in a live ledger for buyers a guarantee cannot catch: monthly payments, an accumulating equity credit, and a graduation gate that closes the plan and converts the unit to a full-price sale once the buyer's track record clears the threshold.
- Gives operators a console for live oversight, alongside a WhatsApp concierge that coaches overcommitted or arrears-affected buyers back to readiness, with human override available on every automated decision.
Status: Live and public today at spsetia.univa.my, demonstrated end to end on seeded demo personas across all three recovery paths, with a reset control for repeat walkthroughs.
Tech maturity: Deterministic core for every DSR calculation, matching decision, ledger schedule and graduation gate, kept separate from the AI layer and unit-tested throughout. Backed by 722 automated tests passing. Full audit trail attached to every buyer decision. PDPA consent-first by design. Security checklist cleared 10 of 10 before launch.
2. Community and Booking Platform with Live Payments
One line value proposition: A payments enabled community and booking platform processing real DuitNow QR transactions in production, not a sandbox.
What it does:
- Manages bookings and community or membership activity for its user base.
- Runs integrated DuitNow QR payment processing, live in production, with real users and real money moving through it today.
- Was built and is operated by Univa end to end: the application, the payment integration, and ongoing operation.
Status: Live in production. Real users, real transactions.
Tech maturity: Production grade payment handling on a live gateway integration under real transaction volume. [AHNAF: add any figures you want included here, for example transaction volume or uptime; left qualitative otherwise.]
(Client name withheld by agreement; described here without identifying the underlying business.)
3. Careersume: AI Resume Tailoring SaaS
One line value proposition: Free, open source AI resume tailoring that matches a resume against a job description, live at careersume.univa.my.
What it does:
- Tailors a resume against a specific job description using AI matching and keyword highlighting.
- Runs on a bring your own key model: users connect their own AI API key, which keeps the product free to run and free to use.
- Ships as a fully open source codebase, published publicly rather than kept proprietary.
Status: Live in production at careersume.univa.my.
Tech maturity: Open source and publicly auditable, unlike closed proprietary alternatives. No server side AI cost to Univa, since users bring their own key, which keeps the product sustainable to run at zero marginal cost.
4. SME Operations Suite for a Manufacturing Business
One line value proposition: Order and job management built for a small manufacturing business, replacing manual tracking with a single operational system.
What it does:
- Tracks orders and jobs through the production pipeline, from intake to completion.
- Gives the business owner visibility into work in progress, without manual spreadsheets or paper tracking.
- Was built and delivered as a working operations tool for a real SME, not a generic template.
Status: Live in production, in active use by the business it was built for.
(Client name withheld by agreement.)
5. AI Financial Document Intelligence
One line value proposition: AI assisted extraction and analysis of financial documents, reducing manual document review for Malaysian SMEs.
What it does:
- Reads and extracts structured data from financial documents using AI.
- Reduces the manual review time a business would otherwise spend on the documents it processes.
- Validates extracted output rather than presenting AI results on trust, in line with our wider engineering discipline.
Status: Live in production, deployed for Malaysian SME financial document review.
(Client and deployment details withheld by agreement.)
6. E-Invoice Compliance Formatter
One line value proposition: Formats invoices to Malaysia's e-Invoice compliance requirements, built for SMEs navigating the national e-invoicing mandate.
What it does:
- Converts standard invoices into the structured format required for Malaysian e-Invoice compliance.
- Was built specifically for Malaysian SME requirements, not a generic international invoicing tool retrofitted after the fact.
- Removes a compliance burden that would otherwise fall on SME owners with no in house finance team.
Status: Live in production, formatting invoices to Malaysian e-Invoice compliance requirements today.
(Client and deployment details withheld by agreement.)
Also Part of Our Practice: Corporate AI Training and Masterclasses
Alongside the software products above, Univa delivers corporate AI training and masterclasses directly to Malaysian teams: hands on sessions that build practical AI literacy, not theory. [AHNAF: add session count, attendee count, or sector focus here if you want this quantified; otherwise it stays qualitative.] This is presented separately rather than as a numbered product because it is a service, not a software platform, but it is part of how Univa builds trust and distribution ahead of every product launch.