The platform
Source-linked evidence — recomputed, corroborated and preserved across Co-Lending, Supply Chain Finance, Credit Velocity Intelligence and Reusable Identity Provenance.
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.
15-day booking window expiry, retention drift, escrow gaps, and CIC classification divergence across two independent books. Recomputed each cycle by AssureCLA.
Double-financing — surfaced by AssureFirst on a shared, tamper-evident registry — plus shell / related-party loops and supplier-capacity gaps, surfaced per deal by the Conflict Engine.
Account-Aggregator, GST and MCA trend signals fire an early warning while you can still act — not a delinquency after you can't.
Signals only. The credit decision — and the funds — stay entirely yours.
The structural gaps we're built for
AssureLocker addresses two distinct structural challenges: co-lending compliance & audit drift across multi-lender books (gold, housing, vehicle, MSME, consumer), and the high cost of verifying small-ticket credit before disbursement.
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.
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 and assurance layer on top — we corroborate those sources against each other, prove the deal or the co-lending arrangement 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, relationship, capacity — and summarise evidence quality. Ingredients vs the finished dish.
The arrangement, not just the borrower
ULI is borrower-centric. We prove what's actually being financed or co-lent — the relationships behind a purchase order or invoice, or the split, blended rate and classification behind a co-lending book.
Fraud & collusion signals
Authenticated data can still be a related-party loop, a twice-financed invoice, or a co-lending classification divergence. Our conflict and reconciliation engines flag it.
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.
ExploreDigiKYC verifies directors, signatories and proprietors once; reuse the proof on consent as selective-disclosure credentials (VII).
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 reconciles your co-lending book, screens your supply chain, and verifies identity — one evidence layer, so every decision stays grounded in evidence.