FOR LENDERS AND FINANCIAL FIRMS

You document the reason for every decision because you are required to

Credit memos, underwriting files, exception approvals, committee minutes and the written rationale attached to each. Regulation forces your firm to record reasoning that most businesses never commit to paper.

Check your data Six questions, roughly two minutes.

Reasoning is documented by requirementDecisions carry outcomes over timeBounded licence, scope agreed up front

WHERE THE RECORD LIVES

Four places a financial firm's reasoning accumulates

This is the ordinary work product of a regulated business, not something that would have to be assembled.

Credit and underwriting

Memos, analyses, and the written case for or against, with the conditions attached to an approval.

Committee and minutes

Records of deliberation where a decision was contested before it was made.

Exceptions and overrides

Approvals against standard policy, which by definition must explain themselves.

Servicing and workout

What happened afterwards — modifications, workouts, and the reasoning behind each intervention.

THE OBLIGATIONS QUESTIONS

What compliance asks before anything else

Are you asking for borrower or client personal data?

No. The material with value is the decision record and its reasoning. Identifying fields are stripped as part of preparing the data, and scope is built around what you are free to license.

Who decides what is in scope?

You do, against your own regulatory position. We define scope around that rather than asking you to stretch it.

What happens to it afterwards?

It is anonymized, built into data sets, and supplied to AI labs. Use is bounded by the licence and we do not disclose which labs take which data.

Is this debt or equity for accounting purposes?

Neither. It is a licence to defined operational data. No equity is issued and no debt instrument is created.

SPEAK WITH A MANAGING PARTNER

The archive compliance made you keep has a bid on it

Six questions and a short conversation will tell you whether there is a deal here. Nothing you tell us leaves Polyshares.

Check your data