EARLY DESIGN PARTNER PROGRAM
Continuously monitor payments across processing, posting, and settlement—identifying missing, incorrect, returned, or mismatched events before they become operational problems.
CONTINUOUS PAYMENT INTEGRITY — VISION
Payment processed
Processor verified
Borrower credited
Loan system verified
Funds settled
Bank verified
Every payment. Every system.
Continuously verified
WORKING WITH EARLY DESIGN PARTNERS
Help us build the reconciliation system you wish you already had.
We’re working with a small number of organizations navigating reconciliation complexity across multiple systems. Design partners work directly with our founding team to map how individual payments are processed, posted to the right borrower or account, and received as funds. Then help shape an initial solution around the exceptions that matter.
Map each payment lifecycle
Trace processing, borrower posting, settlement, and the handoffs between your current systems.
Expose integrity gaps
Focus on missing, delayed, duplicated, reversed, returned, or inconsistent events.
Shape the initial solution
Help ensure the product is grounded in operational reality, not assumptions.
THE RECONCILIATION GAP
Today, when payments don't match, the investigation begins.
A payment was processed, but was it posted to the borrower? Did the funds actually settle? Was it later returned or reversed?
Answering those questions can mean piecing together processor data, posting files, settlement batches, bank activity, and your loan system just to reconstruct what happened.
And often, you’re doing it only after an exception has already surfaced.
• Borrower calls because funds were debited but the payment did not post
• Your bank doesn't show funds your processor says were collected
• A return or reversal leaves your systems telling different stories
WHEN SYSTEMS DISAGREE
Payment Processor → Payment processed
Loan Management System → Borrower credited
Settlement / Bank → Funds received
Processed doesn't mean done.
ACH RETURN TRACE — RECOVERY VERIFIED
Payment #07241
$250.00 ACH
01 PAYMENT PROCESSED
ACH payment accepted by processor
VERIFIED
NEXT EXPECTED EVENT: BORROWER CREDIT
02 BORROWER CREDITED
$250 posted to borrower account
VERIFIED
EXCEPTION EVENT: ACH RETURN RECEIVED
03 ACH RETURNED
R01 — insufficient funds
ACTION
NEXT REQUIRED ACTION: REVERSE BORROWER POSTING
04 POSTING REMOVED
$250 successfully removed from borrower balance
VERIFIED
Return resolved: the borrower balance now matches the ACH outcome.
EVERY PAYMENT. EVERY SYSTEM. CONTINUOUSLY VERIFIED.
A reconciliation layer designed to verify the payment lifecycle at loan level. Not just compare batch totals later.
We’re building toward a continuously updated record for each payment: was it processed correctly, credited to the correct borrower or account for the correct amount, and received as funds in the corresponding settlement? When an expected event is missing, incorrect, delayed, duplicated, reversed, returned, or inconsistent with the other systems, the platform is designed to identify it as an exception for investigation.
HOW WE’LL WORK TOGETHER
From fragmented payment data to continuous lifecycle visibility.
01
Map the current workflow
Document the processor, loan-system, settlement, and exception workflows your team manages today.
02
Evaluate representative data
Review the events, identifiers, and timing used to determine whether each payment was processed, posted, and settled correctly.
03
Shape the initial solution
Shape an initial reconciliation and monitoring approach around the individual payment lifecycle questions that deserve a better operating model.
BUILT FOR PAYMENT OPERATIONS
For teams accountable for payment integrity across the borrower, the ledger, and the bank.
Consumer lenders
Loan servicers
Specialty finance companies
Payment & finance operations
DESIGN PARTNER CONVERSATIONS
Still finding payment problems only after reconciliation?
We’re looking for a small number of financial institutions willing to help us understand how they verify processing, borrower credit, and settlement today—and shape a better approach.