Questions, answered

Click Get started, then use Proto to configure Loan Origination System for your business. Begin with one organization, its team members, an eligible counterparty and a provider account. Rehearse one dated instruction from preparation through independent review and verified provider outcome.

The Credit Officer prepares the banking instruction, its requested amount and value date, debit and credit account scope, counterparty and supporting attachments. The officer submits the current revision for a separate decision.

An Independent Credit Approver reviews the submitted revision and supporting records. The decision is recorded with the reviewer, time, reason and source revision before the instruction advances.

The Instruction approval inbox shows instructions under review with their owner, counterparty, amount and revision. The Account application inbox shows submitted provider-account requests needing their own decision.

The team records the provider instruction identifier and follows the response. A verified provider confirmation or settlement event supports the confirmed instruction status, while operation receipts show whether claimed effects were persisted.

A movement keeps its provider event identifier, account, amount and receipt date. The team links it to the matching instruction when the source evidence supports the association, and keeps ambiguous events in the exception queue.

Check the existing operation receipt, provider reference and local effects before considering another request. Keep the uncertainty and its reason visible for review while the provider outcome is resolved.

A change to a reviewed instruction needs the current revision checked again. For scope already executed, preserve the original provider identity and obtain an independent decision for the compensating action.

The Auditor can connect the instruction to its owner, reviewer decision, attachments, provider evidence, movement match and operation receipt. Audit access is read-only within the authorized scope.

Agree on the provider connection for instruction submission and the sources for confirmations, settlement notices, account movements and dated balance snapshots. Agree which supporting documents the Credit Officer attaches for independent review.