P2P Lender: Onboarding to Disbursement

Deterministic KYC, parallel credit-bureau pulls with fallback, real-time fraud/AML signals, and a maker-checker gate before any funds move

P2P Lender: Onboarding to Disbursement Deterministic KYC, parallel credit-bureau pulls with fallback, real-time fraud/AML signals, and a maker-checker gate before any funds move 01 / Onboarding & decision 02 / Compliance & funds 03 / Credit bureaus Application · borrower applies · Onboarding & decision Application borrower applies Credit Pull · bureau score · Onboarding & decision Credit Pull bureau score Maker–Checker · dual sign-off · Onboarding & decision · gate Maker–Checker dual sign-off gate KYC · deterministic checks · Compliance & funds · identity KYC deterministic checks identity Fraud / AML · real-time signals · Compliance & funds Fraud / AML real-time signals Disburse · funds move · Compliance & funds Disburse funds move Bureau A · primary pull · Credit bureaus Bureau A primary pull Bureau B · fallback · Credit bureaus Bureau B fallback approved pull on failure Legend User UI Agent logic Policy Tool action Context / trace

Deterministic Onboarding

  • • KYC runs fixed, rule-based identity checks
  • • No probabilistic model gates a borrower's identity
  • • Every applicant follows the same ordered path

Bureau Pulls + Fallback

  • • Credit scores are pulled from bureaus in parallel
  • • A fallback bureau covers a primary pull failure
  • • Fraud and AML signals are evaluated in real time

Maker-Checker Before Funds

  • • Two people must sign off before disbursement
  • • The gate sits on the path funds must cross
  • • No approval means no money ever moves

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