Fast decisioning with income-verification integration.
Unsecured personal loans live and die on income integrity and DTI precision. Prism Layer bridges your bureau pull (Experian / TransUnion / Equifax tradelines), bank-statement cash-flow features, and policy rules into a single explainable decision — with Reg B top-4 adverse action reason codes derived from the actual decision factors, not from a score rank. Built for online installment and personal loan lenders running 500–8,000 originations per month who need sub-second decision latency without sacrificing documentation depth.
Request DemoUnsecured credit is the highest-scrutiny product for ECOA examiners.
No collateral means the full weight of the decision rests on credit factors — and every factor must be traceable to a documented policy reason. Mid-market personal lenders are often caught between the speed their online channel demands and the documentation their model risk committee requires.
Income verification integration gaps
Bank-statement cash flow data and payroll verification feeds arrive in different formats. Translating them into policy-usable income and DTI fields requires custom plumbing for each channel.
Black-box adverse action exposure
ML-scored personal loan applications frequently surface non-intuitive factor ranks. When an examiner asks "why was income listed as reason 4 instead of reason 1," a gradient-boosted model cannot answer clearly.
Policy version control is manual
DTI thresholds and minimum income floors change several times a year. Tracking which version of the policy was in effect during a disputed origination requires finding the right spreadsheet version from three months ago.
Throughput vs. documentation tradeoff
Online personal loan channels expect sub-second decisions. Building explainability into that path is often treated as an either/or choice rather than an engineering constraint to be solved.
Income-aware rules. Real-time decisions. Documented output.
Prism Layer ingests income signals alongside bureau data and applies your policy rules in a single execution pass. The explainability layer generates human-readable factor output as part of the same API response — no separate call, no latency penalty.
Income & DTI ingestion
REST API ingestion for bank-statement income features, payroll data, and bureau tradeline balances. Pre-built field mappings for common income-verification providers. DTI calculation baked into the rules execution layer.
Decision Engine detailsRank-ordered adverse action
Decision factor output is rank-ordered by contribution weight and mapped directly to ECOA adverse action codes. The system generates a Reg B-compliant notice in the same API response as the decision output.
Fair Lending moduleVersioned policy audit log
Every Rules Studio change is version-controlled. Any historical origination can be replayed against the policy version that was active at that moment — essential for responding to a dispute or examiner inquiry about a specific decision.
Rules Studio detailsDesigned to fit into your existing origination flow.
No 9-month implementation. Prism Layer connects to your LOS via REST API or batch CSV. A scoped evaluation runs on your historical tape — not a demo environment with synthetic data.
Bring your personal loan tape.
We run a 30-day scoped evaluation on your historical originations. You leave with a documented risk framework, working API demo, and a shadow-mode baseline for your model risk committee.
Request Evaluation