Questions, answered

Click Get started, then use Proto to configure p2 P Lending Platform for your business. Pilot one organization, a borrower with a known loan account, one independent reviewer and a representative provider response before expanding the operating scope.

Credit Officer records the borrower, owner, requested amount and supporting documents, then sends the current revision for review.

Independent Credit Approver makes a reasoned decision on the submitted revision. The preparer cannot approve their own work.

A funding commitment links a lender reference and initial deposit amount to an application and organization. It has its own submission and decision state, followed by provider authority for completion.

An authorized application is ready for provider submission. The team checks the provider’s confirmation or settlement evidence before marking the application confirmed.

Each disbursement links its amount and direction to the application instruction and a borrower-owned loan account.

The reviewer compares the provider receipt with a confirmed application on the same account. The amount and occurrence date must match exactly.

Its source event remains available in an unmatched or exception state for investigation. The team can compare the account snapshot, instruction and provider evidence before resolving it.

An operation receipt retains a stable key, expected revision and effect references. The team checks the existing result before retrying or completing an action.

Auditor access is read-only for assigned records and reports. Decision and execution authority stays with the operational roles.