Multi-Source Loan Tape Reconciliation and Credit Facility Verification
Reconcile multi-source loan tapes across servicing ledgers, warehouse credit facilities, and trustee bank accounts with deterministic proof.
Production Benchmark: Licensed Saudi P2P Lender
A licensed Saudi P2P credit platform ran its live loan tape through the NAYA Proof Engine against facility draw records and borrower repayment legs landing in trustee bank accounts. The run produced two distinct measurements, reported separately below.
2,322 of 2,893 records matched automatically with no human touch. The remaining 571 exceptions were pre-triaged with a reason code on each.
Measured against a verified, known-correct baseline: once exceptions were resolved, NAYA agreed with the baseline on 99.36% of records. The run completed hands-free.
Lending & Credit Facility Architecture
Digital lending and P2P platforms navigate multi-party money flows across borrowers, loan servicers, debt facility providers, and bank trustee accounts. NAYA provides the continuous proof layer across every capital draw and repayment.
Multi-Source Loan Tape Reconciliation
Normalize and match disparate loan tape records across origination engines, core servicing ledgers, bank disbursement files, and warehouse facility reports into an immutable, unified record.
Repayment Unbundling & Fee Isolation
Deterministically unbundle borrower repayments across amortisation schedules, isolating principal, accrued interest, platform servicing fees, late fees, and processor interchange without manual calculations.
Credit Facility & Trustee Verification
Generate verified Proof Packs for warehouse lenders, credit fund partners, and bank trustees to certify borrowing base eligibility, collateral balances, and facility covenants.
Four Checkpoints of Lending Verification
Complete transaction lineage from capital drawdown to investor distribution.
Credit Facility Draw Verification
Reconcile warehouse line borrowings against loan origination batches, verifying advance rates and promissory note allocations before disbursement.
Borrower Funding Reconciliation
Match LMS disbursement instructions against bank payment gateway files and ACH confirmations to ensure zero orphaned funding records.
Granular Payment Decomposition
Decompose incoming collections into principal amortisation, interest earned, and platform servicing revenue with automatic break categorization for partial payments.
Institutional Proof Packs
Emit cryptographically signed Proof Packs for institutional trustees, rating agencies, and warehouse credit providers to verify collateral integrity hands-free.
Lending & Credit Reconciliation FAQs
Get technical insights weekly
Join 4,000+ fintech engineers receiving our best operational patterns.