InDebted launches Release to modernise how organisations recover value from late-stage debt

Sydney, Australia – 23 March 2026 – InDebted, the global AI-native collections infrastructure company, has launched Release, a new product offering organisations an alternative solution to traditional debt sale that uses real account performance data to price and transfer late-stage portfolios, without disrupting operations or the consumer experience already in place. Release is now live in Australia, New Zealand and Canada with more markets set to follow.

Release is available exclusively to existing InDebted clients whose portfolios are already under active management through Collect, InDebted’s third-party collections product. That existing relationship enables a structurally different model from traditional debt sale. Valuations are informed by real account performance data already held by InDebted, rather than the assumptions that typically underpin third-party pricing. Clients retain the same compliance framework, consumer-facing experience and operational infrastructure throughout the transfer process.

The product is backed by dedicated capital partners rather than InDebted’s own balance sheet. This keeps InDebted positioned as the facilitator of the transaction and firmly on the technology and infrastructure side of the collections ecosystem.

Founder and CEO Josh Foreman said Release addresses a structural gap that has persisted in collections for too long.

“Organisations managing later-stage portfolios have been underserved by the options available to them. Traditional debt sale works, but it comes with real operational, regulatory and experiential costs,”

Josh added, “Release gives our clients a better path, one grounded in the data we already hold, without the complexity of introducing new counterparties. It further expands on the infrastructure layer we have been building and the early results have been outstanding.”

Completing the collections lifecycle

Release joins Receeve (first-party collections, DPD 0–60) and Collect (third-party collections, DPD 30–365) as the third pillar of InDebted’s platform. Together, the three solutions form a unified infrastructure layer covering the entire collections lifecycle – from early-stage engagement through to late-stage portfolio management.

All three solutions share a single AI intelligence layer, compliance fabric, communications infrastructure and behavioural data network. Each strengthens the others and are designed as a system rather than a suite of standalone products.

A new category for value recovery

The launch of Release reflects a broader shift InDebted is driving across the collections industry, from fragmented, labour-dependent processes to unified, AI-native infrastructure. As global financial platforms scale across borders and consumer behaviour continues to evolve, the limitations of legacy collections models are becoming more apparent.

InDebted currently operates across seven markets, partnering with banks, fintechs, buy-now-pay-later providers, utilities and government organisations. The company was founded in Australia in 2016 and has grown to a team of over 300 people globally.

For more information, visit indebted.co/solution/release