Product engine
Loans
A lending engine for running a credit book in stablecoin. It originates and books loans against the underwriting rules you define, manages collateral, schedules repayments, disburses through the connectors you choose, and services each loan with accruals and recoveries posted to the same ledger as the rest of the stack.
What it includes
- Origination engine that prices and books each loan.
- Underwriting rules you define per loan product.
- Repayment scheduling for principal, interest and fees.
- Collateral management with collateral and loan-to-value tracking.
- Disbursement connectors, ours or your own.
- Servicing and ledger postings to the system of record.
On one ledger with the rest of the stack
Every event in a loan's life writes to the same ledger of record as it happens: the drawdown at disbursement, the collateral as it is pledged and released, and each principal, interest and fee repayment as it lands. Outstanding exposure and the servicing position are therefore read straight from the books, not assembled from a separate lending system that has to be reconciled back to them.
The rules you version govern the whole arc, from origination and the loan-to-value policy that admits a loan, through the accruals and recoveries that service it, to the collateral thresholds that trigger a liquidation. Because the credit book and its collateral sit on the one core, the same balances feed reporting, compliance screening and reserve and solvency monitoring without a second source of truth.