Lender Guide

Your Lender Profile

Your profile contains: name, logo, description, accepted asset classes, minimum Net Asset Index, APR range, loan amount range, term options, collateral model (Lender Custody, Self-Pledge, or Platform Custody), custodian details (for Lender Custody), and terms and conditions.

Borrowers see your profile on the marketplace. Your criteria determine which borrowers you match with.

Reviewing Applications

For each application you receive, the platform presents the borrower's collateral report (NAI, net worth, confidence-adjusted value, LTV, and asset breakdown with confidence and risk per asset), loan request details (amount, purpose, term, currency), and match score.

Focus on: NAI (overall quality), confidence scores (data reliability), risk flags (red flags), and asset class composition (does it match your criteria?).

Taking Action

You have three actions available for each application:

• Accept — Approve the application, optionally include a message to the borrower.
• Decline — With a reason (Insufficient Collateral, Asset Type Not Accepted, Amount Too High, or Other) and an optional message.
• Request More Info — Send a message to the borrower asking for clarification.

After you act, the borrower is notified immediately.

Understanding Borrower Reports

Each metric in a borrower's collateral report has specific implications for your lending decision:

• NAI A+ / A — Low risk, high confidence. These are the strongest applicants.
• NAI B+ / B — Moderate risk. Consider the specific risk profile before deciding.
• NAI C+ / C / D — Higher risk. May need additional collateral or stricter terms.

Look beyond the NAI: examine the confidence band (how uncertain the valuation is), risk flags, and liquidity.

Collateral Models

Your collateral model determines how borrower assets are secured during the loan. There are three options:

• Lender Custody — You provide custodian details. Borrower transfers assets there. You confirm receipt.
• Self-Pledge — Borrower signs a pledge agreement. You review the NAI report and verify the pledge.
• Platform Custody — NAI arranges third-party escrow. No action needed from you at the collateral step.

Profile Self-Edit

You can update your profile directly from the Lender Dashboard.

Notifications

You receive notifications when a new application arrives or when a borrower replies to your info request. The bell icon in the header shows your unread count.