> For the complete documentation index, see [llms.txt](https://quantixfinance.gitbook.io/quantixfinance-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://quantixfinance.gitbook.io/quantixfinance-docs/platform-architecture/off-chain-services.md).

# 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.