Co-lending risk assurance · in design with partner banks
An independent control, reconciliation and exception-assurance layer for co-lending books — so the bank sees the partner's portfolio on its own verified signals, not just the NBFC's feed.
Where AssureLocker fits
Products
All on the platformIndustry solutions
Built for the lender's credit desk
AssureLocker gives your credit team evidence-tiered signals on every party in a pre- or post-shipment financing deal — so risks are surfaced before commitment, with the credit decision staying entirely yours.
Every party in the deal, cross-checked across available consented and lender-side sources — with a cited, explainable risk read your credit desk can question. You decide on evidence, not paperwork.
Duplicate-financing indicators plus related-party, shared-director and co-location checks across available registries — the risks that quietly sink pre-shipment books.
Account-Aggregator, GST, MCA and EPFO trend signals fire an early warning while you can still act — catch the slippage before it surfaces as a delinquency.
Drop evidence-linked signals into your LOS/LMS by API; lender-signed rules run locally. DigiKYB (entity) and DigiKYC (signatory) feed the pack. No custody, no underwriting, no broking.
The cost of flying blind
The receivable that's already financed elsewhere is the one that quietly sinks a pre-shipment book — and the one no single lender can see alone. AssureFirst catches it on a shared, immutable registry. Alongside it, AssureLocker closes the other two blind spots: the good MSME you decline because checking eats the spread, and the stress that surfaces as a delinquency instead of an early warning.
Double-financing — caught by AssureFirst on a shared, immutable registry — plus shell / related-party loops and supplier-capacity gaps, surfaced per deal by the Conflict Engine before you commit.
Account-Aggregator, GST and MCA trend signals fire an early warning while you can still act — not a delinquency after you can't.
See your partner's book on your own independent signals, not just the NBFC's feed — reconciliation and exception assurance.
Signals only. The credit decision — and the funds — stay entirely yours.
The gap we're built for
The viable small-ticket, pre-shipment deal — especially in tier-2/3 and rural clusters where lender presence is thinnest — is the one that gets turned away because the cost of checking eats the margin. Cheaper, source-linked review is the unlock.
Where we sit
AssureLocker is the neutral evidence layer beneath the lending stack. Lenders, NBFCs and marketplaces are the layer we sit under and feed — not competitors. The same signals can serve all of them, because we compete with none of them.
On ULI:RBI’s Unified Lending Interface is the consent rail that pipes data from sources like these to lenders. ULI moves the data; AssureLocker turns it into evidence-linked, review-ready signals — we sit above ULI and complement it, we don’t replace it.
What we are not
Not a lender
We don't lend, hold funds, set advance rates or make the credit decision — your system of record does.
Not a TReDS clone
We don't run a receivables exchange or a bid-and-discount platform — that's the RBI-licensed TReDS operators' domain. We're complementary: off-exchange, pre-shipment and unsecured cases an exchange doesn't reach.
Not a lending marketplace
We don't match borrowers to lenders, aggregate credit demand, or run a loan marketplace. Signals are delivered to the lender you already have a relationship with; the lender owns the customer and the decision.
Not a broker
We don't introduce or refer for commission, or take a cut of the deal. Flat fees for the evidence pack — never linked to sanction or disbursement.
Not just an API provider
We don't resell raw verification calls. We synthesise multi-source evidence into a tiered, review-ready pack — the value is the corroborated signal, not a single lookup.
The gap we open
Today's PO and invoice finance largely reaches MSMEs attached to a pre-approved large corporate, an existing banking relationship, or an exchange-routed approved invoice. The tier-2/3 long tail — exporters without a marquee anchor, the textile, auto-component and seafood clusters — gets turned away because manual checking costs more than the margin. That excluded population is exactly who evidence-tiered signals make checkable, and so financeable.
Focus: deals from ₹30 lakh — a single PO/invoice or several aggregated into one facility — where the diligence is worth the deal and the evidence pack moves the underwriting decision.
The integrity layer
Credit insurance answers “will the buyer pay?” — and generally excludes fraud, disputes and the authenticity of the receivable. We answer “is this receivable real, unique, undiluted and performable?” — the integrity their policies leave out. Complementary, not competing.
Credit risk — theirs
Buyer insolvency and protracted default. A century-old moat we don't contest.
Integrity risk — ours
Authenticity (GST / IRN), duplicate-financing (CERSAI), dilution and supplier capacity — verified per deal.
An acknowledged gap
The global credit-insurance body (ICISA) has flagged trade-finance fraud and duplicate-financing as needing external digital verification.
Strict TSP — verification signals only. AssureLocker is not an insurer, intermediary or rating agency; where a deal warrants it, our pack surfaces transaction-specific cover as an available, insurer-agnostic mitigant — informational, never arranged for a fee.
Built on the rails, above the rails
The Unified Lending Interface delivers authenticated, consented data from many sources through one pipe. AssureLocker is the evidence layer on top — we corroborate those sources against each other, prove the deal behind the borrower, and distil it into one review-ready pack. We consume ULI; we don’t replace it.
Corroboration, not just access
ULI hands you the GSTN, MCA and land record. We cross-check them against each other — control graph, trade relationship, capacity — and summarise evidence quality. Ingredients vs the finished dish.
The deal, not just the borrower
ULI is borrower-centric. We prove the relationships across Buyer → Borrower → Subcontractor and the underlying PO / GST-signed invoice — the thing actually being financed.
Fraud & collusion signals
Authenticated data can still be a related-party loop or a twice-financed invoice. Our conflict engine flags related-party, double-financing (CERSAI) and missing e-way movement.
Portable & fresh
A tamper-evident pack the borrower carries across lenders, independently checkable — with per-signal freshness so evidence is reused only while valid.
Strict TSP — verification signals only. AssureLocker consumes ULI feeds under the lender’s own access and consent; raw data stays with the lender, and the credit decision is always theirs.
Accountable by design
No black boxes — just evidence you can check, and we can be audited on.
Most algorithms making credit decisions can't explain themselves — and the bias they inherit from training data stays invisible until someone goes looking. AssureLocker is built the other way around. Every signal is sourced, tiered and cited to the evidence behind it; every read your credit team sees can be questioned and traced. We don't make the credit decision — and we hand your model-governance team the documentation to audit the signals we do provide.
Every signal carries its source and its evidence tier — registry-verified through to self-declared — so nothing reaches your desk as an unexplained number.
We map our inputs for proxy effects and test them for systematic disparity — calibrated for India — and we document what we find.
A Vendor Algorithmic Audit Pack documents every component, its inputs, its explicit non-inputs and its testing — ready for your FREE-AI audit process.
The integrity layer the research keeps asking for — and the one most verification vendors can't produce.
Regulatory Integrity
AssureLocker is architected to keep lenders, borrowers, and corporate anchors compliant under the RBI's Outsourcing and Digital Lending Directions.
Pricing is flat-rate per-pack or monthly SaaS subscription, decoupled from loan disbursement sizes, approvals, or success. This is one control among several designed to support a Technology Service Provider (TSP) posture — final regulatory classification turns on function, not pricing alone.
Decisioning rules and risk scores are evaluated inside siloed, lender-signed rule containers or executed directly on your internal endpoints. AssureLocker is designed to keep underwriting liability and IP entirely with the lender.
AssureLocker has no access to custody, settlement, or movement of funds. Where the lender enables a lender-controlled VAN and repayment-instruction workflow, buyer payments can be directed to that VAN — subject to lender/banking setup — so repayment is reconciled without intermediate platform touchpoints. (Records are written to an immutable registry — hashes only, never fund movement.)
Built to comply with India's DPDP Act. Every workflow verification check, credential issuance, and risk signal presentation requires explicit, holder-signed consent, establishing a non-repudiable audit trail.
Evidence-led credit review
AssureLocker helps lenders, anchors and advisors turn MSME trade documents into source-linked evidence packs — showing what is verified, what is missing, and what still needs lender judgement. We do not lend, score credit, hold funds or approve applications.
Bring together borrower, buyer, PO, invoice, export and relationship evidence.
Check available sources and permissioned data pathways, with freshness and audit trails.
Show clean, incomplete and adverse signals clearly — including what could not be verified.
Your credit, risk or treasury team keeps the decision. We provide evidence, not approval.
Structured, source-linked packs for PO, invoice, exporter and MSME borrower review.
ExploreCapture buyer confirmation, no-dispute status and receivable evidence before finance decisions.
ExploreDigiKYB resolves GSTIN, CIN, Udyam and PAN into one lifecycle-monitored business identity — the VEI other checks build on.
ExploreVerify your own business with consented GSTIN/IEC/Udyam checks, and model 43B(h) payment timelines and dynamic-discounting savings.
Agentic AI · grounded, not guessing
Our agentic AI reads the verified, independently-sourced signals and writes a plain-English risk narrative — every claim cited to the signal behind it. Ask the packa question and get an answer tied to the evidence, not a hallucination — and it says so when the pack doesn't cover it.
The AI explains the evidence. It does notmake the credit decision — that's yours.
“Why is this CLEAR — and what should I confirm?”
Both trade legs are corroborated by GSTN-signed e-invoices, the double-financing check is CLEAN with no active CERSAI charge, related-party risk is LOW, and capacity is adequate. Confirm the subcontractor's recent GSTR-2B before relying on the B→C leg.
Live, grounded answer on every pack — cited to the signals. Not a credit decision.
How it works
From purchase order to an evidence-linked Risk Signals Pack — so your credit team reviews on evidence, with consent captured and an audit trail.
MSME registers, links authorized signatories, and consents to partner-mediated registry verification.
AssureLocker generates signed W3C credentials for entity legitimacy and workforce scale.
The parties are cross-checked and the risks synthesised into one verifiable pack.
Lenders receive a consent-backed Risk Signals Pack and make the credit decision on evidence they can independently verify.
Verified evidence is reused and refreshed when it goes stale — a current decision on every deal, without repeating work that’s still valid.
AssureLocker screens the supply chain, delivers an evidence-linked Risk Signals Pack, and keeps your disbursement decisions grounded in evidence.