Off-Chain Services

Some functions cannot live on a public chain, and forcing them there would leak private data or fail to bind real-world counterparties. These run as off-chain services with defined links back to on-chain state.

Identity and screening. KYC on individuals and KYB on entities are performed off-chain by SumSub, and wallet-level AML and transaction screening is performed by AMLBot. The result of both — a participant's eligibility, and any flags on the wallet they intend to use — is what the on-chain permissioning enforces. The underlying documents and screening data never touch the chain; only the eligibility outcome does.

Legal documentation. Master Loan Agreements, their execution, and the supporting underwriting file are held off-chain. The loan module references the agreement so that the on-chain facility and the binding contract stay in correspondence.

Reporting and monitoring. Borrower financials, covenant tracking, and lender reporting are produced off-chain from data the delegate collects, and the resulting metrics — coverage, loans at risk, default rate — are reflected in the pool's on-chain or published figures.

Settlement edges. Fiat on- and off-ramp support, allowing conversion between fiat and the settlement stablecoin through banking and payment partners at the edge of the system, is planned but not yet live. Once available, pool accounting will remain stablecoin-denominated throughout regardless of how capital enters or exits at the edges — the roadmap item is the convenience layer at the boundary, not a change to how the protocol itself settles.