Verified borrower data → a grounded decision, offer and completion.

One rail from Open-Banking-verified data to a decision, ESIS and completion. Agents assemble; your rules decide; every step is cited, audited and signed.

The problem

£1.73tn

UK mortgage balances

~90%

placed via brokers

~5 months

application → completion

~40%

of the journey still manual

The same data is re-keyed across a broken chain. Open Banking is live for 16.5m people — the verified data already exists. Nobody has turned it into a decision rail.

The rail

verify packcase assemblyDIPincome · affordability · creditvaluationESIS offerConsumer Dutycompletion · AML · PEXAservicingretention

Why it's different — and defensible

grounded

Grounded, not generative

Every figure comes from a deterministic engine; the LLM only explains, never decides. Each verdict cites the exact criteria clause + version. Model inventory mapped to SS1/23.

verifiable

Signed & borrower-owned

The Readiness Pack is Ed25519-signed — anyone proves issuer + integrity with the public key alone. Tamper one figure and it breaks.

cross-lender

A marketplace a bank can't build

Agent-to-agent competition needs a borrower-owned, multi-lender rail — structurally impossible for a single conflicted entity.

compliant

Compliance-native

MCOB 11.6 stress, MCOB 5A ESIS, Consumer Duty good-outcome + vulnerability, MCOB 13 forbearance — with an exportable evidence pack per decision.

Proof — built & live today

Full 12-stage lifecycle working end-to-end on a real URL; four lenders competing on grounded, cited DIPs.
Drop a real payslip → watch-it-read vision extraction, every figure cited to the page.
One click → ESIS + Consumer-Duty + completion plan + downloadable evidence.
A surface for every human: borrower, broker (whole-of-market sourcing), lender underwriter.
58 automated tests · daily-refreshable criteria corpus (RAG, recall@3 100%).

Become a design partner

Bring real criteria and a sandbox of cases. We stand up your policy on the rail and run shadow decisions next to your existing process — measured on time-to-DIP, time-to-offer and decision consistency.

Brokers first: whole-of-market sourcing + recommendation in seconds, packaged and submittable with no re-keying — the 90% channel.

hello@quantumlend.ai · quantumlend.co.uk · live demo

Built on QuantumLayer's agentic platform. Demo runs on synthetic / sandbox data only. Live operation runs under an FCA-authorised principal (QuantumLend as outsourced technology), with counsel sign-off — see the pilot plan. © QuantumLayer Platform Ltd.