Current account facts
Balances, due dates, statuses, and borrower protections arrive with a clear as-of time, so each decision knows how current its information is.
Platform architecture
Modern servicing on the lending core you choose
Connect LendEasy to your existing system of record or use our lending core. People and AI work through the same queues, policy checks, approval controls, and searchable audit trail.
Human workforce
AI agents
one controlled action path
Servicing control plane
decides, routes, and records every unit of work
account facts in · approved commands out
Lending core
Compliance gate
Every action clears the gate before execution — the full architecture is mapped below.
The architecture
How the platform fits together
See how servicing teams, AI agents, policy checks, the servicing control plane, and the lending core connect.
Human workforce
agents · managers · reviewers
AI agents
graduated autonomy · kill switch
One controlled action path
each action is tied to a case, an approved exception, or a system event
Servicing control plane
decides, routes, and records every unit of work
Cases · tasks · smart queuesOmnichannel interactionsCompliance engineConfigurable workflows
documented core integration
current account facts into servicingapproved commands back to the core
Lending core
Double-entry ledgerValue-dated paymentsNACHA returns · autopayReg Z APR · statements · payoff
Compliance gate · checked at execution
Linked audit trailhash-chained decision records — each action links to its rule versions, approvals, and case or task context
The four products
Four products you can adopt together or separately
Run the full platform or start with the capability you need first.
A shared action path
Five checks from request to result
Payments, messages, and calls follow the same controlled path whether a person, AI agent, or system event starts them.
- 1
Action context
Every action starts with a clear reason: the case it serves, an approved exception, or a system event.
- 2
Policy check
Current rules evaluate the action before it runs. If required information is missing, the action is held.
- 3
Human approval
AI-proposed actions above their autonomy level route to a human. Actions that require separation of duties route to an independent human approver.
- 4
Execute
The approved action runs through the same controlled interface, whether it reaches LendEasy's core or yours.
- 5
Evidence record
The decision, rules, approvals, and outcome are captured in one tamper-evident record.
Composability
Keep your core or use ours
A narrow, documented integration defines what LendEasy reads, what it can send back, and how outcomes are confirmed. You can keep your core today and migrate later if the timing is right.
Approved commands
Approved actions return to the core as clearly defined commands. Safe retries prevent duplicate execution, and failures remain visible.
Confirmed outcomes
Core events confirm what happened, keeping the servicing view aligned with the system of record instead of waiting for month-end reconciliation.
What stays consistent: policy checks, ledger-backed figures, and audit records live in the servicing layer, so they work with either core. You can add AI workflows without a core migration.
AI agents
AI agents work inside your existing controls
Each AI agent has its own identity, scoped access, task limits, and approval rules. It works in the same queues and audit trail as your team.
AI inside the servicing operation
AI agents — including voice agents working collections and hardship calls — pull from shared queues, use scoped permissions, and write to the same audit trail as people. They cannot bypass policy checks or reach the lending core directly.
Ledger-backed figures
Every borrower-facing figure comes straight from the ledger. The model writes the words; the ledger supplies the numbers.
Graduated autonomy
Assist, require human approval, then autonomous within policy — set per task type, with a human reviewer for anything above the agent's autonomy level.
Operational controls
Instant kill switch with scoped suppression (global, queue, case type, or channel), pinned model and prompt versions per decision, PII scrubbed before any model call.
Security posture
Closed by default, open to inspection
Deny-by-default API surface
Every endpoint requires an explicit permission grant — for humans, integrations, and AI agents alike. Nothing is reachable because a default was left open, and PII is removed or tokenized according to configured data policies before an external model call.
Open, auditable foundation
The lending core is built on open, bank-grade infrastructure that institutions worldwide have operated for years — built by the same engineers who lead it. Your auditors can read the foundation, with documented APIs and a standard database that provide a practical exit path.
FAQ
Questions architects ask us
The integration is deliberately narrow. LendEasy reads the account facts it needs and sends clearly defined commands back, without changing how your core posts transactions. Most connections use APIs or data extracts you already expose.
Walk through your architecture with us
Bring an integration question. We will trace one real servicing action from request to outcome on our core or yours.