Define a product once. Originate, service, and defend every loan made under it.
The Engine is the core system a credit company runs its real loans on — origination, servicing, collections, and an exact record of every charge and accrual. It is the same engine that powers Workspace: one codebase, with the live parts switched on.
The authority on the loan. Never on the money.
The Engine records what a loan should do and what it has done. The funds themselves stay in the banking system the company already uses.
Operated by the credit company’s own staff — managers, risk officers, compliance officers. The Engine never handles borrowers directly.
Originate. Service. Reconcile.
Every step is deterministic, and every step is recorded — as append-only entries in the calculation ledger.
Originate
A loan starts from a product already defined and proved. The Engine resolves the exact product version, re-runs the same coherence rules Workspace used, and asks the risk engine for a decision — bureau and KYC normalized to facts. Only then do the loan and its schedule exist, bound to that signed version. Editing the product later never shifts the loan’s math.
Service
Money arrives from your providers as a payment fact. The Engine locates the loan, allocates the payment across principal, interest, fees, and penalty, recomputes the outstanding balance, and appends the result to the ledger. Early repayment and a late payment with penalty are the same deterministic flow with different allocation logic.
Reconcile
Provider reports and bank statements are imported read-only and matched against the payment facts and the state the Engine expected. Every comparison produces a match or mismatch record — nothing is silently absorbed.
Run it as your credit core.
A credit company connects its own systems to the Engine through a public REST API — applications in, loans and schedules out, payments and lifecycle events flowing both ways.
One public contract
The REST API your systems integrate is the same one the Workspace UI runs on. Applications in; loans, schedules, and lifecycle events out.
Per-tenant keys
Access is scoped to your tenant, and keys can be rotated and revoked.
Idempotency on every write
A retried request never creates a duplicate loan or a duplicate payment.
Signed webhooks
Loan-lifecycle events are delivered back signed, for your systems to verify before acting.
The Engine holds the live book, so the surfaces that show simulations in Workspace show your real loans here — and the agent works at portfolio level, with reads and what-if scenarios under the same rule it follows everywhere: it reads, simulates, and proposes, and never moves money or changes a record on its own.
Exact, deterministic, and on the record.
Six properties, engineered in from the start — the same guarantees Workspace uses to prove a product before it ships.
Exact math
Money in integer minor units, rates in basis points — no floating point. Intermediate steps run at arbitrary precision and round once, by the market’s rule.
Deterministic
Same inputs, same product and rule versions, same result — indefinitely. A test suite pinned to the regulator’s own worked examples enforces it on every build.
Versioned & signed
Products and market rules carry effective dates and a recorded human signer. A loan binds to the exact versions it ran under.
A calculation ledger
Every accrual, allocation, penalty, and recalculation is appended, never mutated. Corrections are reversing entries, not edits.
Tamper-evident audit
Catalog changes, agent actions, and ledger entries append to a hash-chained log that answers who decided, when, and on what basis.
Tenant isolation
Every table carries the tenant. Isolation is enforced at the database row itself.
Workspace proves it. The Engine runs it.
One codebase, two surfaces. The schedule code that illustrates a sample in Workspace is the code that runs a real loan — same math, real persistence — and the catalog you sign there is the exact seed the Engine originates your live loans against. Nothing is rewritten and nothing migrates.
Your live book begins with a signed catalog.
Define and prove your products in Workspace — the same engine, in simulation. The Engine originates, services, and defends every live loan against those exact signed versions.