How it works · inside the engine

One file, cross-examined.

Your LOS runs the loan; the engine runs the interrogation. Scroll with one real file — APP-2417, an invoice-finance application — through three interrogations and two layers, to the packet that lands on the desk. How it works and what it checks: one story, told once.

Scroll — the cross-examination is about to begin

Purpose-built verification

A layer that drops in — not a platform to build Rules for speed, governed AI for risk control ~120s from call to a desk-ready packet Product-agnostic — IF · WC · TL · SCF, tuned per cartridge

Coverage

Every dimension a credit committee reads — verified in one pass.

The same heads your credit policy already speaks — checked by the engine before the file reaches the desk.

Know the borrower is real, in standing, and worth knowing — before a single invoice is read.

Identity coherence across PAN, GST and banking records. ROC standing, promoter history, litigation and watchlist exposure — finished before the file is opened.

KYC & identity coherence
Constitution & ROC standing
Promoter & group history
Litigation & NCLT screen
Compliance discipline

Stop impersonation at the gate

Sharma Textiles Pvt LtdGSTIN · 27AAACS4471F1Z5

GST registration active · returns current

PAN · GST · bank records coherent

Promoter appears in NCLT proceedings

The invoice, the GST trail and the bank statement must tell the same story.

Bill-wise, date-wise, beneficiary-wise reconciliation — with document forensics reading every pixel and UPI intelligence resolving the rails parsers write off as ‘transfer’.

Genuineness of trade
Banking & GST reconciliation
Conduct of account
Document integrity
Obligations on the rails

Catch the invoice that never happened

Invoice INV-2417 · ₹18,40,000Steel fabrication · 90-day tenor

Payment settled before invoice date

GST, bank and invoice reconciled

PDF edited 412 days after issue

Undisclosed EMI found in UPI rails

Can the business carry the obligation — not last year, but through the tenor?

Debt service, leverage and conduct of limits read as a trajectory — then stressed against where the borrower’s sector is heading.

Debt service capacity
Working-capital conduct
Bureau discipline
Buyer concentration
Sector outlook

Underwrite the trajectory, not the snapshot

Servicing read · FY24–FY26Trend view · proposed obligation overlaid

Debt service comfortable through tenor

CC utilisation trending up

Conduct of account clean

Sector stress: watch

AI that opens new dimensions of verification — and never touches the verdict.

Forensics, behaviour and foresight — every signal advisory, every flag explained in language a committee and a regulator both accept.

Document forensics
Behaviour & drift
Predictive stress
Plain-English reasons
Audit-ready trail

AI your credit committee can defend

Governed AIAdvisory only · never auto-decisioning

Every flag ships with its why

Cannot overrule a deterministic rule

2 advisory flags on APP-2417

Paper can be made to say anything. Economic behaviour cannot.

API-first by design

One endpoint. The whole engine behind it.

TruStackAPI is infrastructure, not another screen. Your LOS makes a single authenticated call — the engine runs the full verification battery and returns a Risk Ready Packet. No portal to log into, no UI to learn, no workflow to rebuild.

Single call

One request runs the full verification engine — deterministic rules and governed AI advisory — end to end.

Sync or webhook

Block for the packet, or fire-and-forget with a callback when the verification completes.

VPC-native

Deployed inside your perimeter. Borrower data never leaves your cloud.

Versioned & idempotent

Pinned engine versions and idempotency keys — safe retries, every run reproducible.

verify.sh cURL

# one call · application + supporting documents
curl -X POST https://api.trustackapi.com/v1/verify \
  -H "Authorization: Bearer $API_KEY" \
  -H "Content-Type: application/json" \
  -d @application.json

200 OKapplication/json

{
  "id": "app_4471",
  "score": "B+",
  "decision": "review",
  "flags": [
    { "severity": "P1", "label": "Hidden EMI detected" }
  ],
  "packet": { "verification_memo", "cam_bridge", "audit_log" }
}

Developer access

Full API reference, payload schemas, severity taxonomy and sandbox keys — available on request.

Request API docs

The output

One Risk Ready Packet. Judgment amplified — never replaced.

A model output the desk can't defend is worthless. The packet translates every signal into underwriting language — your officers interpret the engine; they don't defer to it.

Verification Memo

The risk read in one page — reasons, not scores. Every flag carries its evidence and its plain-English why.

CAM Bridge

80–90% of appraisal prep arrives structured and source-tagged — the desk spends its hours deciding, not retrieving.

Audit Log

Every check audit-trailed and regulator-exportable — transparent about data sources and model governance before you're asked. RBI FREE-AI ready by design.

Risk Ready Packet · Verification MemoRendered from a live engine run

Verification memo · Invoice factoring · #VM-IF-150196

Vihaan Polymers & Engineering Plastics

GSTIN 24AKJPM4892E1ZK · Proprietorship · Ahmedabad, Gujarat

32.5/100Requires resolution

GSTIN · Active Buyer · AA+ DSO · 38d GST·bank gap · ₹9.1L Invoices matched · 2/5

Nine sections · one memo · written for the credit desk

Intelligence BriefAI-researched applicant context, from public sources

Entity ProfileIdentity & legal standing, against the live registry

Business & OperationsWhat they make, and whom they supply

Buyer & CounterpartyWho pays — and how reliably

Transaction TrailInvoice · bank · GST, reconciled line by line

Financial HealthCapacity to service the obligation

Compliance StandingFiling discipline, read over time

Promoter & Shareholder RiskThe people behind the entity

Verification SummaryTruScore · flags · resolution path

Resolution path · 3 items required before the memo can complete — each with its evidence request pre-drafted

Full audit trail — every check timestamped · RBI FREE-AI compliantView audit log →

Defensible by construction

Architected to be defended — to your risk committee and your regulator.

Infrastructure

VPC-native. Your perimeter. Borrower data never leaves.

RBI Alignment

FREE-AI ready. Every check audit-trailed and regulator-exportable.

AI Governance

No auto-rejections. Every output explainable. The credit officer decides.

Decisioning

Rules decide. AI advises. Humans judge.

Rules Decide. AI Advises. Humans Judge.

Why now

A desk-ready packet matters most in exactly this window.

Three forces are converging on the same desk this cycle — and each one raises the cost of handing a credit officer an unverified file.

RBI FREE-AI

Auditable, explainable decisioning is now mandatory. The black-box window is closing — every check needs a trail you can hand a regulator.

AI amplifies what's beneath it

Faster credit on unverified files moves risk at speed — it doesn't reduce it. Automation makes a weak file more dangerous, not less.

Origination outpaces capacity

Volumes accelerate; headcount doesn't. Manual reconciliation breaks exactly when the pipeline is growing fastest.

Move fast,
or manage risk.
TruStackAPI removes
the or.

In modern lending, competitive advantage isn't defined by your interest rate. It's defined by the speed of your decisions and the quality of your portfolio.

One unverified file forces the compromise at three desks. Settle it once, upstream — every desk wins.