The gold book moves fast. The evidence has to keep up.
You run a gold-loan co-lending book with an NBFC partner: short tenors, high pledge-and-release velocity, and an LTV ceiling that a moving metal price presses against daily. The arrangement-level controls under the 2025 Directions still apply — but the risks that decide a gold inspection live in controls the generic layer can’t see. AssureCLA’s gold pack recomputes them from both REs’ own events, on a monitored cadence.
What this book has to keep proving
Every control is recomputed from versioned inputs and versioned rules. And where evidence is absent, the control reports UNKNOWN — an unevidenced control is never a silent pass.
LTV against the ceiling, per loan
Each loan's LTV recomputed against the applicable cap from the assayer valuation behind it — per loan, not sampled. A book-level average can sit comfortably under the ceiling while individual loans breach it.
Insurance cover actually in force
Cover in force against the pledged value — not a policy asserted at onboarding. A lapse or a shortfall mid-tenor is a finding with a lifecycle, not a discovery at claim time.
Custody & pledge-release discipline
Packet custody evidence and pledge-release timelines checked against the agreed SLA, so release discipline is proven from events — not assumed from the absence of complaints.
Auction discipline
Auction state tracked with the mandatory borrower-notice trail, and the reserve checked against the outstanding — so what happens at the hammer is evidenced before it happens.
Valuation evidence behind every figure
The assayer certificate and purity verification that an LTV number rests on, attached as evidence — a ratio without its valuation is an assertion, not a control.
The arrangement layer, underneath
Retention, blended rate, the 15-day booking window, escrow reconciliation, classification sync and bureau files — recomputed from both REs' own events, every cycle, beneath the gold pack.
How a cycle runs on the gold book
Ingest
Both REs' loan, disbursement, escrow and classification events land alongside the gold pack's evidence — valuations, insurance status, custody and release events, auction states. The overlay reads both books; it never edits either.
Recompute
The gold pack and the arrangement controls recompute over every loan. A missing valuation or an unevidenced cover doesn't pass quietly — the control holds at UNKNOWN until the evidence lands or the gap is explained.
Work the findings
An LTV breach, a lapsed cover, a release outside SLA — each opens as a finding with an owner and a lifecycle: open, acknowledged, remediated, re-checked on the next cadence.
Evidence on demand
When an inspector, auditor or your partner asks, the evidence dossier is the by-product of operating the book — not a two-week assembly project.
See the gold pack against your own book
Explore what the asset-class packs add on top of the arrangement layer, then see AssureCLA run on a demo gold arrangement — shadow pilots run on a historical tape with zero integration.
An independent assurance overlay — signals and recomputed evidence for the REs’ own decisions. AssureLocker does not lend, decide classifications, or replace either RE’s systems of record.