Statement intelligence
Read every bank statement the way a forensic analyst would, then keep watching once the loan is paid out. Vyndarix finds doctored statements, recycled funds and hidden debt before disbursement, and flags proceeds that leave and come back after it.
- Statement tamper detection
- Fund recycling and round-trip detection
- Affordability from real, recurring income
- Disbursement monitoring on the live account
- Loan
- LN-7731-RB
- Product
- SME working capital
- Disbursed
- $40,000
Account activity after disbursement
Loan disbursement
Proceeds credited
+$40,00001 MarTransfer to J. Daniels
Proceeds moved on
−$19,20001 MarTransfer to Bolt Ventures
Unlike this borrower's pattern
−$14,40002 MarTransfer from J. Daniels
Round-trip completed
+$18,80004 Mar
Case opened with the trace and coded reasons attached.
- Before disbursement
- Tampering, fabricated income and hidden debt found while the application is open.
- After disbursement
- Proceeds watched on the live account for round-trips and diversion.
- Adaptive
- Learns each borrower's normal pattern and sharpens with every analyst decision.
- Coded reasons
- Every finding carries a reason code your credit file can keep.
Either side of the payout
Most checks stop at underwriting. Fund recycling often starts the day the money lands, so Vyndarix follows the loan across both moments with one engine and one case workspace.
Before disbursement
The statement
- Edited or forged statements
- Figures that do not add up
- Round-trips and self-transfers counted as income
- Balances dressed up for the application
- Debts the application left out
After disbursement
The proceeds
- Proceeds sent out and paid back
- Proceeds diverted elsewhere
- Use of funds out of character
- Behavior the borrower has never shown
- Cases opened with coded reasons
What a statement really says
A statement is a claim about income and conduct. Vyndarix tests the document, follows the money through it and keeps following it after the loan goes out.
Genuineness forensics
Every statement is tested as a document before its numbers are trusted. Edited, forged or inconsistent statements are flagged with the evidence your team needs to challenge them.
Fund recycling and round-tripping
Find circular money dressed up as income, funds that pass through without staying, and balances arranged to look healthier than the borrower's real position.
Affordability from real income
Work out what the borrower genuinely earns and already owes, then set the proposed repayment against it. When the evidence is thin, the profile says so instead of guessing.
Loan stacking and hidden obligations
Surface borrowing from other lenders and spending that puts repayment at risk, so the credit team sees the commitments the application left out.
Disbursement monitoring
Once the loan is paid out, the account stays under live monitoring. Proceeds that are recycled, diverted or used unlike the borrower's own pattern are flagged and opened as cases.
Adaptive, explainable ML
The engine learns how each borrower normally behaves and keeps adapting as they do. Analyst outcomes make it sharper over time, and every score comes with plain-language reasons.
Credit decisions you can defend
Statement findings gate the credit decision, and every override, outcome and piece of evidence stays on the record.
- PDF, CSV and Excel statements from the banks your applicants use
- Statement holder verified against the applicant
- Adverse findings released only through maker-checker approval
- Evidence kept with the decision for audit
- Results by webhook and in-app notification
- Retention and data-subject erasure built in
From upload to live loan
- 1
Upload
The applicant's statements arrive with the application.
- 2
Verify
Checks confirm the statement belongs to the applicant and can be trusted.
- 3
Assess
Income, affordability and risk patterns, each with a reason code.
- 4
Gate
Clear, refer to a second approver, or stop.
- 5
Monitor
After disbursement, the proceeds stay under live monitoring.
Questions about statement intelligence
What is statement intelligence?
Statement intelligence analyzes the bank statements submitted with a loan application. It checks the document is genuine, works out real income and affordability, and finds patterns used to manufacture income, such as round-tripping. It then carries on monitoring the account after the loan is disbursed.
How does Vyndarix detect fund recycling?
It follows money through the statement to tell genuine income from money that circulates back to the borrower, and keeps recycled funds out of the affordability picture. After disbursement, the live account is watched the same way, so recycled proceeds are flagged as they happen.
What happens after the loan is disbursed?
The borrower's account stays under live monitoring. The adaptive engine compares how the proceeds are used with how that borrower normally behaves, and opens a case with coded reasons when something is out of character.
Which statement formats are supported?
PDF, CSV and Excel statements. We set up coverage for the banks your applicants use as part of onboarding.
Is the ML adaptive or rule-based?
Both, each where it belongs. Statement findings are consistent and reproducible, so they can be defended. Behavior after disbursement is scored by an adaptive engine that learns each borrower and improves from analyst outcomes, and any rule your credit policy requires always applies.
See where the money really goes
Bring a sample statement and we'll walk through the findings, the gate and disbursement monitoring with your credit team.