Glossary
Every term, A to Z.
The language of evidence-led credit, in one place — each entry tagged as a product you buy, a signal that composes into a pack, a platform capability underneath, or an evidence concept.
A
- AssureCLA — Co-Lending AssuranceProduct
- The independent assurance control plane for RBI Co-Lending Arrangements: 24 paragraph-cited controls recomputing retention, the blended rate, the 15-day booking clock, escrow, bureau filings and classification sync from both REs' own evidence — with an honest status model where unassessed is never green. A TSP with no allegiances: not a LOS, LMS or orchestration platform; findings and evidence only, never funds or the credit decision.Read more →
- AssureConnectProduct
- Lender-side connectors (CERSAI · Account Aggregator · CKYC · GeM/PFMS) that run inside the lender's own trust boundary on the lender's credentials, returning signals — never raw records.Read more →
- AssurePool — Pool AssuranceProduct
- Pool assurance, not pool brokerage: eligibility and holding-period screens over the CLA evidence base, a frozen loan tape under a manifest hash, attributed overrides (regulatory exclusions non-overridable) and post-close surveillance — waterfall conservation, trigger states and reporting-gap detection. The transferee's diligence stays its own.Read more →
- AssureSignal for Export FinanceProduct
- Post-shipment evidence: IEC, ECGC cover, e-BRC and confirmed-delivery settlement — so a lender can follow a deal through to repayment.Read more →
- AssureSignal for Invoice FactoringProduct
- The invoice-factoring product for a lender's own off-exchange receivables — a tiered evidence rail distilled into an Evidence Confidence Score with a conflict engine.Read more →
- AssureSignal for Purchase OrderProduct
- The flagship pre-shipment product: a verified three-party (buyer, borrower, subcontractor) evidence pack a lender pulls before underwriting.Read more →
B
- BAV — Bank Account VerificationPlatform
- A penny-drop / name-match check that an account belongs to the named party — a building block inside identity and KYB flows.
- Buyer acceptanceConcept
- Confirmation from the buyer that an invoice or receivable is accepted and undisputed — the foundation for financing it. Captured as evidence before a finance decision, not assumed.Read more →
C
- Co-Lending Arrangement (CLA)Concept
- A bank–NBFC pairing under the RBI (Co-Lending Arrangements) Directions 2025: each RE retains at least 10% of every loan, the partner commits ex-ante and books within 15 calendar days, all flows route through escrow, both REs report to the credit bureaus, and borrower-level classification moves in step. One loan, two books, one set of obligations — the two-book control problem AssureCLA exists to referee.Read more →
- Conflict engineSignal
- The rule set inside a pack that weights the patterns lenders lose most on — related-party, missing e-way movement and double-financing — heaviest, and flags the pack.
D
- DigiKYBProduct
- Reusable entity (business) verification — GSTIN, Udyam, MCA/CIN + directors via the PAN bridge — issued once, presented many times. (The reusable entity store was formerly called the “Entity Vault”.)Read more →
- Duplicate financingConcept
- The same purchase order or receivable financed more than once. Three layers reduce it: the lender-run CERSAI charge search (authoritative, on the lender's own access), awareness of TReDS-discounted invoices (already financed on-exchange), and AssureLocker's tamper-evident hash of each PO/receivable recorded in an immutable registry — which also covers the bilateral receivables that never reach CERSAI or TReDS.Read more →
- Duplicate-PO / Double-Financing SignalSignal
- Repeat-presentation / PO-hash detection; the authoritative receivables-charge search is lender-run on the lender's own CERSAI access (via AssureConnect).
E
- Evidence Confidence ScoreSignal
- A 0–100 score for a receivable with a CLEAR / REVIEW / FLAGGED band — the headline output of the Verified Receivables Pack. Not a credit score; a measure of how strongly the evidence stands up.
- Evidence freshnessConcept
- How current a piece of evidence is — the time since it was checked at source. Each item carries a checked-at timestamp and freshness label so stale evidence is visible, not silently trusted.
- Evidence tierSignal
- How strongly each signal is evidenced — registry-verified, lender-side, issuer-confirmed, document-signed, self-declared, or missing. Every signal in every pack carries its tier (see the ladder below).
I
- Immutable registryPlatform
- Membership, credential, identity-state and PO/receivable events are recorded as tamper-evident hashes in an immutable, independently-verifiable public registry — including an independent duplicate-financing check that also covers receivables off CERSAI and TReDS. Hashes only — never raw PII.
- ITR — Identity Trust RegistryPlatform
- The registry that records the state of verified identities. AssureLocker anchors a tamper-evident hash of each identity's state (the “IST” — identity state) — never raw PII.
L
- Lender-ready evidence packConcept
- A structured, source-linked bundle of an entity's verified evidence — with tiers, timestamps, freshness and an audit trail — assembled so a lender's own team can review cleaner evidence before making its own decision.Read more →
- Lender Rule ContainerSignal
- A lender's own credit policy expressed as a signed, API-first rule set applied to packs — assistive only; the credit decision always stays with the lender.
P
- Proxy discriminationConcept
- When an algorithm uses inputs like location or behaviour that correlate with community or income without anyone mapping the link — the failure mode we test our own signals against, calibrated for India's realities rather than a borrowed template.Read more →
R
- Receivable dilutionConcept
- The risk that a receivable's collectable value shrinks after financing — through returns, credit notes, disputes or set-off — so the lender recovers less than the invoice face value.
S
- Source-linked evidenceConcept
- An evidence item tied back to the source it came from (registry, issuer, document or self-declaration), with the source recorded — so a reviewer can see where each fact originates, not just that it was asserted.
- Standards (W3C VC · OID4VP · SD-JWT)Platform
- The W3C Verifiable Credentials and OpenID4VP standards AssureLocker issues and verifies with, enabling selective disclosure — sharing only the attributes a verifier needs.
- Subcontractor Capacity SignalSignal
- Workforce, turnover and GST-consistency indicators for the C-leg of a PO chain — can the subcontractor actually deliver? Part of the PO Risk Signals Pack.
T
- TFI — Trust Financial IntelligencePlatform
- The internal analytics layer that turns registry, tax, trade and banking evidence into the risk signals inside a pack.
- TReDS (Trade Receivables Discounting System)Concept
- RBI-regulated exchanges (RXIL, M1xchange, Invoicemart) where accepted invoices are discounted. Complementary to AssureLocker: TReDS covers accepted, on-exchange invoices; we cover the pre-shipment, unaccepted and bilateral receivables it doesn't reach — and treat a TReDS-financed invoice as a duplicate-financing signal.Read more →
V
- VEI — Verified Entity IdentifierPlatform
- Any identifier in — GSTIN, CIN, PAN, Udyam or LEI — resolved into one verified, continuously-refreshed entity identifier, so a duplicate entity or an already-financed deal is caught even when it arrives under a different name. Produced by DigiKYB (the verification process); it's the entity-level foundation AssureFirst's first-financing fingerprint sits on — like a Domestic LEI for existing identifiers, and a working reference for the kind of resolved identifier RBI's Domestic Legal Entity Identifier (DLEI) study contemplates, with a live status layer a static number can't have. Not itself an LEI; GLEIF's Legal Entity Identifier is one of the identifiers it resolves.Read more →
The evidence-tier ladder
Every signal in every pack is labelled by the strength of its evidence — strongest first. Tiers 1–5 are decreasing strength; Missing is the honest sixth state, surfaced and never hidden. The same vocabulary drives the engine, the pack PDFs, the data-source posture and the downloadable matrix.
- T1Registry-verifiedChecked live against a government / authorised source (GSTN, MCA21, EPFO, DGFT, DigiLocker via an authorised provider).
- T2Lender-sideRun inside the lender's own trust boundary on the lender's credentials via AssureConnect (CERSAI, AA/FIU, CKYC, GeM/PFMS). AssureLocker receives a signal only.
- T3Issuer-confirmedConfirmed by the issuing party — buyer, bank, ECGC, insurer, inspector or carrier.
- T4Document-signedBacked by a cryptographically signed document (e.g. DSC); signature / hash intact, issuer not independently re-confirmed.
- T5Self-declaredStated or uploaded by the MSME / counterparty; not independently verified — the weakest tier.
- —MissingEvidence unavailable or inconsistent — surfaced, never hidden.
See the products in detail, or the live environment posture for each capability.