Built for Compliance
Every transaction recorded. Every state reconstructable. Every audit passable.
Core Architecture
The foundation that makes everything else possible.
Immutable Append-Only Ledger
Every transaction is recorded as a new event. Records are never modified - complete history preserved forever.
Two-Timeline Architecture
Track when things happened AND when you knew about them. Retroactive corrections without breaking audit trails.
Point-in-Time State Reconstruction
Query the exact state of any loan at any historical moment. Answer regulator questions definitively.
Event-Sourced Architecture
State is derived from events, not stored directly. Replay history, diagnose issues, prove what happened.
Compliance Features
Built in from day one, not bolted on after.
Metro 2 Credit Reporting
Accurate credit bureau reporting with precise effective dates. Corrections reported correctly.
Multi-State Compliance
Configurable rules for state-specific rate caps, fees, disclosures, and cooling-off periods.
SCRA/TCPA/FDCPA Ready
Built-in compliance for servicemember protections, calling restrictions, and debt collection rules.
Audit-Ready Reports
Point-in-time reports that regulators expect. Prove historical state with confidence.
Operational Features
Everything you need to service loans effectively.
Collections Workflow
DPD-based queues, promise-to-pay tracking, and compliance-aware contact sequencing.
Payment Processing
ACH, card, and manual payments with automatic allocation and reversal support.
Escrow Management
RESPA-compliant escrow analysis, shortage/surplus handling, and annual statement generation.
API-First Design
Modern REST API for every operation. Integrate with your existing systems seamlessly.
Ready to see it in action?
Join our waitlist to get early access when we launch.