Omnichannel Broadcasting Active ID: #CAMP-MNDR-2025-084B Tranche: #TR-MNDR-2025-Q2 (Mandiri Core v2.4)

Livin' PayLater Gadget Surge Q2

Rp 25.000.000.000 Syndicated Facility

verified_user SHA-256 Co-Sign: e3b0c442...9b92

security Dual-Key FIDO2 & Mandiri HSM Layer Verified

schedule WIB Sync: 11:24:08 (Peak Surge Phase 1)

Concurrency Load

14,820 / 15,000 slots

98.8% Load

Aisyah 11,850 · Bunga 2,970 TTS 162ms

Capital Deployed (First 24m)

Rp 1.428.500.000

5.7% Disbursed

1,854 Borrowers Drawn Avg ticket Rp 770k

OJK Interlock & Zero-PII

100.0% Compliant

0 Drift

RAM Isolation (0h TTL) 4,120 Scrubbed

Blended CAC Efficiency

Rp 27,200 / account

-47.7% vs Benchmark

CVR Conversation-to-Drawdown 14.2%

Real-Time Omnichannel Intercept

Aisyah Farhana WhatsApp Business Calling API

Caller: ID-88219 (Jakarta Selatan) · Call ID #RTC-9842

MOS: 4.94

158ms e2e

Cust

"Hi Aisyah, cicil iPhone 16 di iBox pakai Livin' PayLater the interest berapa per bulan ya? Ada tenor 12 bulan?"

Aisyah

"Bisa banget! Untuk iPhone 16 tenor 12 bulan the interest flat 1,42% per bulan, diawasi langsung oleh OJK. you tinggal klik konfirmasi di aplikasi Livin' sekarang, persetujuan limit instan 4,2 detik tanpa slip gaji!"

verified POJK Disclosure Auto-Executed Disbursal Action: Rp 16.499.000 Pended

Bunga Salsabila WhatsApp Meta Cloud API

Session: +62 812-***-9912 (Surabaya) · Zero-PII Mesh

Speed: 89ms

Throughput: OK

Cust

"Hi Bunga, how much PayLater limit do I have left for a laptop checkout on Tokopedia?"

Bunga

"Hello! Per Mandiri token verification, your active drawdown limit is Rp 12,500,000. A 5% cashback voucher auto-applies if you transact before 14:00 WIB!"

lock Tokenized Handshake: MANDIRI-OAUTH-V2 Conversion Likelihood: 91.4%

Aisyah Farhana TikTok Live Stream Intercept

Room: @gadget_fest_official · Audience: 44.2k Concurrent

11ms Bypass

Synthetic Voice Sync

Stream

"@dinda_kun: 'Is this Mandiri PayLater safe? Any hidden penalties?'"

Aisyah

"Safe 100% Dinda! Livin' PayLater resmi berizin dan diawasi Financial Services Authority (OJK). Semua biaya rincian transparan di aplikasi, nol biaya admin di awal!"

gavel POJK 13/2018 Deterministic Guardrail Fired Pinned CTA Clicked: 312x

route

End-to-End Conversion Funnel

Auto-generated content → comment/DM intercept → WhatsApp Chat handoff (Aisyah's dedicated line) → deep-link to Bank Mandiri signup API · Optional voice consultation via shared WhatsApp Business Calling admin line

Live pipeline · past 24h

STAGE 01 movie

Auto-Generated Content Posted

AI-produced 9:16 reels & stories with Aisyah's face + voice + tone. Auto-posted to TikTok, IG, Facebook at surge windows.

1.84M

Impressions · 100% baseline

STAGE 02 chat_bubble

Comment & DM Intercept

Persona clone replies to comments and DMs on IG, TikTok, FB with product knowledge injected for this campaign. Nudges interested users toward WhatsApp.

342K

Active engagements · 18.6%

PRIMARY

STAGE 03 chat

WhatsApp Chat Handoff

Consumer moves to Aisyah's dedicated WhatsApp Chat number (per-talent) · Full Q&A on limits, tenor, interest & disclaimers · Attribution tied to originating post.

24,891

Qualified chats · 7.25% of engagements

phone_in_talk Optional voice consult

1,204 opted-in

Interactive "Konsultasi via Telepon" button → shared admin line 082211882089 via WhatsApp Business Calling. Voice reassurance only — never signup.

STAGE 04 api

Deep-Link to Bank Signup API

Aisyah sends the consumer Bank Mandiri's own signup deeplink (Livin' app / OneKlik / KYC web). All data collection, KYC upload, & underwriting live in Mandiri's systems — Livestar just tracks the handoff event.

12,376

Signup starts · 49.7% of chats

STAGE 05 payments

Bank Disburses · Commission Posts

Bank Mandiri completes KYC + underwriting + disbursement in-app · Sends webhook back to Livestar · Talent's commission credits their Creator Studio earnings within 4ms.

6,421

Disbursed · 51.8% API-completion

insights

Zero form-collection at Livestar. The persona clone chats up to the API deeplink — from that point, KYC, data collection, and underwriting live entirely in Bank Mandiri's Livin' app / API. Livestar only listens for the webhook confirmation to trigger commission attribution. Consumer never fills a form on our surface, and PII never touches our LLM context.

speed

Algorithmic Dynamic Surge & Pacing Governor

Surge Window: 11:00 - 14:00 WIB (Lunch Spike)

08:00 WIB 10:00 11:30 (NOW - PEAK) 13:00 15:00 18:00 WIB

Auto-Circuit Breaker

Engaged (0.04% Error)

Disbursement Pacing

Rp 59.5M / min

Pool Expansion Ready

+5,000 Slots Headroom

verified

Cryptographic Multi-Sig Proof

Consensus Validated

fingerprint

Devin Vance

Principal Architect, LIVESTAR · FIDO2 YubiKey 5Ci

Signed

token

Ahmad Subagyo

Head of Compliance, Mandiri · HSM SmartToken 9921

Signed

Receipt Hash: 0x9d74b9e22f47a1...8140

Timestamp: 2025-05-14 11:00:00.042 WIB

Smart Tranche Contract: MNDR-PAYLATER-V24-PROD

hub

Core Infrastructure Telemetry

Bank Mandiri Core Lending API v2.4

4ms Zero-Loss

Telkomsel / Indosat PSTN Fallback Rail

142ms Jitter < 2ms

Meta Tier-3 Enterprise WhatsApp Gate

450 msg/s 99.99% Ack

OJK Regulatory Mirror Sync Gate

Active Instant Append