AssurePool — pool assurance for co-lending books
From arrangements to a sellable pool: AssurePool assembles loans under your eligibility screens, freezes the pool as an evidence tape under a manifest hash, and keeps it under post-close surveillance — so the diligence a pool buyer repeats today becomes proof that already exists.
Built on the same honesty rules as the rest of AssureCLA: UNKNOWN never renders as a pass, and a hard exclusion is non-maskable — the API enforces it and the UI never offers an override. AssureLocker acts throughout as a Technology Service Provider supplying evidence.
Related-party interest
AssureLocker operates both an independent control layer (AssurePlane) and a pool venue (AssurePool). Where the same arrangement touches both, we have an interest, and we say so rather than claim we do not.
Our default is order of engagement, not consent: an arrangement is assured before it is sourced, never afterwards. Assuring a pool we had a hand in assembling would mean reviewing our own work, which no disclosure cures. Where a lender nonetheless requires the tool over an arrangement we have sourced, that is agreed in writing with their risk or compliance function, recorded, and the independence grade is capped — no consent restores the highest grade. Assurance output goes to the lender; if it ever appears in pool material, that use is disclosed and the same cap applies.
These are operating rules today. The registry and pre-run gate that make them automatic are specified and in build; until they ship, they are enforced by process rather than by the system.
What it does
The portfolio, reconciled every cycle
Eligibility screens on entry
Every loan entering a pool is evaluated against the agreed criteria — verdicts are explicit, overrides are recorded, and a hard exclusion can never be overridden by anyone.
Frozen evidence tapes
A pool freezes under a manifest hash: the tape a buyer, rater or trustee diligences is exactly the tape that was frozen — reproducible, tamper-evident, shareable.
Post-close surveillance
The pool stays watched after the sale — composition, performance and exception signals continue on the same evidence trail the pool was sold on.
Pool evidence exports
Audit-ready tapes and surveillance reports for DA/PTC processes and participations — evidence that travels, decisions that stay with the institutions.
Signals only — AssurePool supplies reproducible evidence and exceptions; the regulated entities retain every lending, compliance and remediation decision.
Distribution
One tape, every route to liquidity
The frozen tape is deliberately venue-neutral: it feeds any marketplace or platform you already sell through, and any bilateral direct-assignment or PTC arrangement — the same manifest-hashed evidence, wherever the pool goes. And because the proof is already portable and tamper-evident, it is ready for tokenised distribution on a regulated rail as that route opens up — the evidence layer does not change; only the settlement venue does.
For Treasury & the CFO
Balance-sheet velocity, priced on proof
Faster time-to-liquidity
The diligence a buyer runs today is archaeology on your systems. A frozen, reproducible tape collapses that to verification — weeks of evidence assembly become a hash check.
Priced on evidence, not doubt
Uncertainty prices as a haircut. A pool whose eligibility, seasoning and performance are provable narrows the gap between what the book is worth and what a buyer will pay.
Repeat programmes, not one-offs
Once the first tape clears a buyer's review, the next pool rides the same format, screens and surveillance — programme selling instead of bespoke transactions.
No re-papering between venues
The same tape serves a marketplace listing, a bilateral DA and a PTC process — build the evidence once, distribute wherever pricing is best.
Surveillance keeps buyers warm
Post-close reporting continues on the evidence trail the pool was sold on — the relationship asset that makes the second sale cheaper than the first.
Audit-ready by construction
Every screen verdict, override and freeze is attributed and append-only — the internal-audit and rating conversations start from the record, not from reconstruction.
Under the hood
Pool assurance over the AssurePlane evidence base
Pre-selection
Eligibility and holding-period screens (MHP tiering by tenor, standard-asset status, evidence presence). Verdict taxonomy separates hard exclusions from missing evidence from policy variance — unknown is never eligible.
Freeze & overrides
A frozen loan tape under a manifest hash — substitution after freeze requires a new, visibly distinct version. Overrides are attributed with reasons; regulatory exclusions cannot be overridden at all.
Post-close surveillance
Waterfall conservation checked in exact minor units; delinquency and credit-enhancement trigger states with honest unknowns; a missing reporting month is named as a gap. The transferee’s diligence remains non-outsourcable and its own.