Premium Borrower Access for Growth

Recieve Applications

app.post('/webhook/loan-applications', (req, res) => {
  const { borrower, loan_request, qualification_score } = req.body;
  
  console.log('New qualified application:');
  console.log('Income:', borrower.annual_income);
  console.log('Credit Score:', borrower.credit_score);
  console.log('Loan Amount:', loan_request.amount);
});

Compliant Flow

KYC and compliance already complete when applications arrive at your system.

Growth-Quality Borrowers

Access to crypto-native borrowers with verified high incomes and strong credit profiles

Ready to Scale

Applications arrive ready for lender decision and rapid scaling.

Borrower Performance That Accelerates Growth

Average Income

Higher income

Default Rate

Lower default rate

Portfolio Growth

Faster growth

Settlement Edge

Instant settlement

InstantSettlementEdge

Disburse Funds

const disbursement = await portola.disburse({
  loan_id: "loan_abc123",
  borrower_wallet: "0x742d35...89",
  amount: "45000.00",
  currency: "USDC"
});

Instant Settlement

Instant blockchain settlement gives competitive advantage over traditional ACH transfers

Competitive Edge

Speed and efficiency advantages that help win borrowers from traditional lenders

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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Premium Borrower Access for Growth

Borrower Performance That Accelerates Growth

Products