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Premium Borrower Access

Receive qualified applications

app.post('/webhook/loan-applications', (req, res) => {
const { borrower, loan_request, qualification_score } = req.body;
console.log('New qualified application:');
console.log('Verified Income:', borrower.annual_income);
console.log('Credit Score:', borrower.credit_score);
console.log('Loan Amount:', loan_request.amount);
console.log('Qualification:', qualification_score);
console.log('Source Platform:', borrower.origination_platform);
processApplication(loan_request);
});
High Quality Flow
KYC and compliance already complete when applications arrive at your system.
Higher Income Borrowers
Access to crypto users with verified high incomes and strong financial profiles
Conforms to your Underwriting standards
Easily evaluate applications based on your existing underwriting processes.

Access Digitally Native Borrowers

Average Income
Higher income
Default Rate
Lower default rate
Acquisition Cost
Lower CAC
Conversion Rate
Higher conversion
InstantSettlementAdvantage

Modern disbursement infrastructure

const disbursement = await portola.disburse({
loan_id: "loan_abc123",
borrower_wallet: "0x742d35...89",
amount: "45000.00",
currency: "USDC"
});
console.log('Disbursement Status:', disbursement);
Instant Settlement
Instant blockchain settlement gives competitive advantage over traditional ACH transfers
Borrower Experience
Superior funding speed improves satisfaction and loan completion rates.

Products

Network
Encrypted routing distributes loan applications across institutional lenders
Custody
MPC orchestration with policy guardrails and automated approvals
Payments
High-speed payment processing with instant settlement capabilities
Treasury
Policy-based workflows spanning distribution, collection, and escrow wallets
Identity
Comprehensive identity verification and compliance infrastructure for lending
Documents
Streamlined document processing and verification for lending operations
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