Case study
P2P lending ecosystem
LedgeringScoring MLe-signatureCollections3 years
The setting
Peer-to-peer lending multiplies everything hard about fintech: money is split across many investors per loan, every cent must reconcile, and the paperwork has to hold up legally. We built and ran the core of such an ecosystem for three years.
What we built
- Loan marketplace core — order books and multi-investor deal mechanics.
- Virtual bank-account ledgering: investor and borrower balances tracked to the cent, rebuildable from event history.
- In-house scoring models feeding credit decisions.
- Legally binding e-signatures woven into the deal flow.
- Collections automation and real-time support tooling for the operations team.
Where it stands
Three years of production operation, with the ledger as the source of truth — the discipline that separates lending platforms that survive audits from those that don't.
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