A new channel
Your credit box
Originate prime unsecured personal loans at lower acquisition cost — through a new digital channel that integrates with your existing credit policy, underwriting criteria, and servicing infrastructure.
Lower CAC
A new origination channel with structurally lower customer acquisition costs. Significantly reduced fee burden compared to incumbents
Prime borrowers you're not reaching
High-income, creditworthy applicants from digital platforms — outside your existing aggregator pipeline. Net new volume, not recycled leads.
No operational Lift
Your credit box. Your underwriting. Your compliance framework. Applications land directly in your LOS.
A prime borrower segment your current channels don't reach.
Millions of high-income consumers manage assets and transact inside digital wallet platforms with no access to regulated unsecured personal loans.
Already managing assets, transacting regularly, and demonstrating repayment behavior through collateralized digital lending. High engagement, high intent.
No overlap with your existing aggregator pipeline. Incremental volume, not recycled leads.
Your compliance controls, servicing requirements, and underwriting criteria remain unchanged. New channel, same framework.
Proven credit demand. No regulated unsecured lending.
These borrowers have already used collateralized digital lending. The credit appetite is proven. The unsecured channel doesn't exist yet.
A borrower pool at the scale of major aggregator channels. Financially active, holding assets, transacting regularly.
A young, prime borrower segment at the early stage of their credit lifecycle. High potential for long-term customer value.
Your underwriting.
Your rules.
Nothing changes.
Your systems.
A new surface.
Users apply inside your experience. Lenders underwrite inside theirs. Portola coordinates the handoffs: routing, offers, signing, funding, and lifecycle.
Application
Borrower applies inside the partner platform. Data routed securely to your systems.
Decisioning
Application data decrypted within your LOS. Your underwriting engine runs as normal.
Funding & lifecycle
Standard ACH funding. Stablecoin conversion handled by Portola as a settlement bridge only.
Connects to your LOS. Nothing else changes.
Portola integrates directly with your loan origination system. Same workflows, same screens, same decisioning process.
Standard endpoints, fields, and routing rules.
Your additional requirements, built into the flow.
One integration. Applications from every partner.
