Modeling a lender's products as definitions
One definition drives pricing, rule checks, and proposals at once. Here is the data model that makes that possible.
Most lending stacks store the same product three times: once for the pricing engine, once for the compliance team, and once for the people writing offers. They drift apart, and reconciling them becomes a job in itself.
A single source for the product
Capcells models a product as one definition: its rates, fees, schedules, and the markets it is allowed in. Compute, Check, and Advise all read from it. Change the definition once and every downstream answer changes with it.
Versioned, not overwritten
Definitions are versioned, so you can see what a product looked like on any date and why a past loan was priced the way it was. That history is what makes an audit a lookup instead of an investigation.