Mumbai, December 24, 2025: InstaMoney, a flagship lending app built entirely using Artificial Intelligence, now offers an iOS version, enabling users to access instant loans along with AI-driven credit intelligence through a seamless mobile experience. The process, which typically takes five to six months and requires a team of around 10 people, was completed in just 26 days with a team of 4, and the app is now live. With the growing adoption of iPhones in India, InstaMoney aims to disburse loans worth ₹100 crore through the new AI-built iOS app by the end of FY27.
The app was developed using an AI-led approach called “Vibe Coding.” This method allows artificial intelligence to understand the structure, logic, and design of an existing app and automatically recreate it for another platform. In this case, AI analyzed the Android version of InstaMoney and generated the corresponding code for iOS in Swift UI. The process cut months of manual programming down to a few weeks, with developers primarily guiding and reviewing the AI’s output instead of writing the code manually.
According to the company, AI was used across every stage of development — from interface design and backend integration to code generation, testing, and deployment. The process also included business logic mapping and third-party tool implementation, resulting in 63 unique screens and over 37,000 lines of code produced in under a month.
The project was executed by a small team of junior and senior developers with limited prior iOS experience, highlighting how AI can bridge skill gaps, simplify development, and shorten delivery timelines.
With more than 30 million Android downloads, InstaMoney is one of the leading platform for instant short-term personal and merchant loans. The iOS version extends this experience to Apple users, enabling quick loan approvals and secure disbursals through an automated interface.
“Building the InstaMoney platform entirely through AI demonstrates how technology can change the way financial products are created,” said Dipesh Karki, Co-founder & CTO, Vartis Platforms. “By using AI to bridge skill gaps and reduce development timelines, we’ve been able to bring a complex product to market faster, making credit access more seamless for a growing demand. With InstaMoney, we wanted to demonstrate how AI can compress development cycles and make digital innovation more accessible for businesses. AI is dissolving the barriers between ideas and execution. The current development proves that with the right AI tools, even complex fintech products can be developed, tested, and deployed in weeks instead of months.”
The app offers digital lending services, allowing users to apply, verify, and receive approvals through an automated process. While AI handled the development, human oversight ensured compliance, data security, and functional validation.
Vartis Platforms plans to leverage this approach to accelerate the delivery of other financial and enterprise solutions, using AI to reduce costs and enhance speed to market.
