Loans Overview

Loans Overview

Learn what loans are and how they work in the platform

Overview

Loans are individual credit agreements that serve as the building blocks for poolsand credit facilities. As an issuer, you onboard loans into the platform, standardizethem through field mapping, organize them in the Loan Registry, map them to pools,add them to batches for verification, and mint them as NFTs. This module coversthe complete loan lifecycle from upload to tokenization.

What Loans Are

A loan represents a single credit agreement containing detailed information aboutthe borrower, loan amount, interest rates, payment terms, and performance data.Loans are stored in your organization's database after onboarding and aremanaged through the Loan Registry. Each loan has both mapped fields(standardized to Intain's format) and unmapped fields (original data that didn'tmatch standard fields).

Loans progress through distinct stages: onboarding (via Imports), standardization(field mapping), registry management, pool mapping, batch verification, and NFTminting. Each stage has specific workflows and requirements that ensure loan data quality and enable downstream transactions.

Purpose and Use Cases

For Pool Creation - Loans are the building blocks of pools. You select loans fromthe Loan Registry and map them to pools. Pool metrics automatically calculate fromthe mapped loans.

For Credit Facilities - Loans whose NFTs are minted can be mapped to mastercommitments for credit facility transactions. Only NFT-minted loans are eligible forfacility mapping.

For Verification - Loans are grouped into batches for verification. The batchverification process validates loan data either through self-certification by theissuer or verification by a third-party verification agent.

For Tokenization - Loans can be minted as NFTs (Non-Fungible Tokens) on theblockchain after batch verification is complete. NFT minting creates a digitalrepresentation of each loan enabling secure tracking and transfer.

Key Components

Imports Section - Where you upload loan tape files. You select the As Of Date,asset class, choose your file, and submit. The system creates a Job ID for tracking.From here, you trigger Loan Tape Standardization (LTS) to map your file columns toIntain standard fields.

Loan Tape Standardization - The process of mapping your loan tape columnheaders to Intain's standard fields. You can use:

      • Basic AI Mapping : Standard AI-assisted field mapping
      • Intelligent AI Mapping : Enhanced AI mapping for better accuracy
      • Delegation : Submit to Admin to perform mapping on your behalf

After mapping, you can edit the field mappings using dropdowns, then click SaveMapping to store the loans.

Loan Registry - Your central view of all onboarded loans. Shows both mappedcolumns (standard Intain fields) first, followed by unmapped columns (in italicheaders). From here, you can:

      • Select loans and click Map to Pool to assign them to pools
      • Select loans and click Add to Batch for batch verification
      • View detailed loan information

Batch Verification - Where loans are grouped into batches for verification. TheBatch Verification section shows all batches with their status. You can:

• Self Certify: Issuer self-certifies the loans with an e-signature (Adobe Sign)
• Submit to Verification Agent: Send to a third-party verification agent for review
• Provide Documents: Upload verification documents from your file share

Certificates Section - Where you view verified batches and mint NFTs. Showsbatch details, verification status, and provides:

      • Mint NFT button: Select loans and mint them as NFTs
      • View NFT button: View already minted NFTs

How Loans Work

1. Uploading Loan Data 

You start by going to the Imports section from the left expandable menu. Here youselect the As Of Date, asset class, and choose your loan tape file, then clickSubmit. The system creates a Job ID and adds it to the table below with the action
Trigger LTS.

2. Loan Tape Standardization 

Click Trigger LTS to open the Map Fields popup. Here your loan tape headers aremapped to Intain standard fields. You can:

      • Use the Delegation button to submit this task to Admin (enter start date, enddate, and required documents)
      • Use the Re-run button to choose between Basic or Intelligent AI mapping
      • Edit individual field mappings using the dropdown menus
      • Click Save Mapping when done

After saving, the loans are stored in your organization's database. The Trigger LTS action changes to View Mapped.

                                                                  Loans Onboarding - Uploading - Issuer


3. Accessing the Loan Registry

Click View Mapped to see the standardized loans. Click Open in Registry tonavigate to the Loan Registry section. In the Loan Registry, you see all youronboarded loans with:

      • Mapped columns displayed first (standard Intain field names)
      • Unmapped columns displayed after (headers shown in italic)
      • Add Loan button: Navigate back to Imports to upload more loans
      • Map to Pool button: Enabled when any selected loans aren't already mapped to a pool
      • Add to Batch button: Enabled when any selected loans aren't already in a batch

4. Mapping Loans to Pools

In the Loan Registry, select the loans you want to map, then click Map to Pool . Apopup appears with a dropdown showing all your pools. Select the target pool andconfirm. The loans are mapped to that pool, and pool metrics update automatically.

                                                                              Loan Map to Pool - Issuer

5. Adding to Batch and Verification

Select loans in the Loan Registry and click Add to Batch to group them forverification. Go to the Batch Verification section from the left menu to see your batches.

Initial batch status is Pending . Click on a Batch ID to go to the batch details page with two tabs:

      • Loans Tab : Shows all loans in the batch with the Self Certify button

      • Documents Tab : Upload verification documents (select document type,verification template, and file from your file share)

Self Certify Process : Click Self Certify, enter your name, signer name, email, and place, then click E-Sign. An Adobe Sign popup opens showing the loan certification details for all loans in the batch. After signing, the verification moves forward.

                                                                                          Batch Verification

Verification Agent Process : Submit to a verification agent who receives the batch in their dashboard. They verify loan details against the uploaded documents, then certify the batch.

Verification Status Values:

      • No : Initial status, not verified

      • Certified : Verified by third-party verification agent

      • Self Certified : Issuer logged in as verification agent and verified

      • Self Certify (Data Only) : Issuer used Self Certify button directly

After verification, the batch verification status changes to Reviewed.


6. NFT Minting

Go to the Certificates section from the left menu. Here you see the same batch details with verification status and action buttons:

      • When batch verification status is Pending : Both View NFT and Mint NFT are disabled

      • When batch verification status is Reviewed : Both View NFT and Mint NFT are enabled

      • When batch verification status is Verified : Only View NFT is enabled

Click Mint NFT to see a screen with all loans listed with checkboxes. Select individual loans or use the select-all checkbox, then click Mint Selected . Minting runs in the background. After all loans are minted, the batch verification status becomes Verified.      


                                                                                                            NFT Minting


Important Points to Know

One Pool Per Loan - Loans can only belong to one pool at a time. To move a loan toa different pool, you must
unmap it from the current pool first.

Mapped vs Unmapped Columns - In the Loan Registry and Loan Tape section,mapped columns (standard Intain fields)
appear first, unmapped columns (originalheaders) appear after in italic format.

As Of Date Selection - When viewing loan data in pool details (Loan Tape section),you can select different As Of Date
values to see loan data from different reportingperiods. This is useful for monthly loan tape uploads.

NFT Minting Prerequisite - Loans must have batch verification status of Reviewedbefore NFT minting is enabled. After
minting all loans, the status becomes Verified.

Credit Facility Eligibility - Only loans with minted NFTs can be mapped to mastercommitments for credit facility
transactions.

Automatic Pool Metric Updates - When loans are mapped to or removed frompools, pool metrics recalculate
automatically.

Delegation Option - During loan tape standardization, you can delegate themapping task to Admin using the
Delegation button.

    • Related Articles

    • Removed Loans and Calculations

      Understand how removed loans affect pool calculations and metrics Overview When loans are removed from pools, they're excluded from pool calculations butremain visible for tracking purposes. The platform automatically recalculates poolmetrics when ...

    • Pools Overview

      Learn what pools are and how they work in structured finance transactions Overview Pools are collections of loans grouped together for securitization, whole loan sales,or other structured finance transactions. They serve as the fundamental ...

    • Funding Requests Overview

      Learn what funding requests are and how to create them Overview A funding request is how borrowers draw down funds from an active credit facility.After a master commitment is active and deal modelling is complete, borrowers cancreate funding requests ...

    • Credit Facilities Overview

      Learn what credit facilities are and how they work in the platform Overview A credit facility is a lending arrangement where a borrower can draw down funds asneeded, up to a pre-approved limit. In Intain Markets, credit facilities involveborrowers ...

    • Master Commitment Overview

      Learn what master commitments are and how they work Overview A master commitment is the finalized credit facility agreement that defines thecomplete facility structure. It's automatically created when a term sheet is approvedby the facility agent. ...