Solution Brief · AI-Driven Lending
Lend like a bank ten times your size.
Underwriting shouldn’t be a black box you can’t defend or a queue you can’t scale. Adapfin makes lending fast, governed, and auditable — from a 2-minute consumer decision to a structured commercial deal.
The problem
Legacy lending
- One rigid scorecard; a change request to adjust
- Decisions you can’t fully explain at exam
- Commercial and specialty deals out of reach
- Adverse action stitched together by hand
Foundry + Clara
- One decision gate that books a GL entry instantly
- Every decision explainable and logged
- Retail → commercial → strategic on one engine
- ECOA adverse action automated end to end
What runs it
Foundry
Lending growth engine- Retail, commercial & strategic lending
- 28 structures on one underwriting gate
- Real-time GL on every booking
Clara AI Advanced
AI workforce- AI-assisted underwriting & deal intelligence
- Governed, capability-scoped automation
- Decision log and step-by-step replay
DarkMatter Synergy+
Risk fabric- Fraud, BSA & adverse-action signals correlated
- Real-time, across the whole bank
- One immutable, replayable record
How it fits
It holds together because every Adapfin product runs on one core:
One ledger
Every product posts to the same double-entry GL — no extracts, no second version of the truth.
One customer identity
The same record across deposits, lending, wealth, treasury, digital assets, and embedded brands.
One control environment
RBAC, dual control, and approval chains enforced at the moment of action.
One audit trail
Every action and decision in one immutable record — exam-ready by default.
See it with demo data, or join the founding-partner cohort.