Underwrite On-Chain Credit with Absolute Solvency Truth

Arkline reconstructs wallet cash flows into institutional-grade debt service metrics in under 3 seconds. Stop guessing borrower health through raw block explorers

Underwriting Latency

Historical Reconstructions

Institutional Volume Scored

Wash Volume Filter Accuracy

Institutional Balance Sheet Clarity for Digital Assets

Transform unorganized ledger transfers into deterministic corporate credit metrics

Dual-Scope Cash Flow Engine

Isolate genuine operating revenue from token price volatility

Separates baseline stablecoin income from volatile native token holdings

Calculates true 30-day and 90-day Debt-Service Coverage Ratios (DSCR)

Normalizes internal protocol transfers and external commercial inflows

Wash-Trade & Sybil Scrubber

Eliminate synthetic liquidity manipulation

Prunes circular transaction loops and self-funded address clusters

Flags artificial revenue laundering within seconds

Delivers verified clean historical volume metrics for risk committees

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Continuous Covenant Webhooks

Automate early-warning default prevention

Live monitoring of borrower liquidity reserves across 8 chains

Instant trigger alerts when working capital falls below agreed safety floors

Direct programmatic integrations with smart contract liquidation engines

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Use Cases

RWA & Private Debt Protocols +

Prime Brokers & OTC Desks +

B2B Crypto Neobanks +

FAQ

How does Arkline differentiate real commercial revenue from borrowed funds? +

Our dual-scope engine traces historical debt obligations and categorizes capital sources, filtering out short-term flash loans, bridge hops, and circular credit lines.

Can borrowers manipulate their score with fresh wallet addresses? +

Arkline computes wallet graph provenance and requires verified multi-month transaction density, flagging unaged or siloed addresses as high-risk.

Is this accessible via API for automated credit decisions? +

Yes, our REST and GraphQL APIs return full credit memos, historical DSCR breakdowns, and risk scores with sub-3-second response times.

Deployment Timeline

How credit teams integrate Arkline into live origination pipelines

Step 1: API Key & Sandbox Onboarding

Connect your risk orchestration stack and run test queries against historic borrower datasets.

Instant access to API documentation

Pre-loaded with 10k+ benchmarked corporate wallet profiles

Direct Postman collection and SDK integration

Step 2: Covenant & Scoring Calibration

Configure your fund's custom underwriting criteria and risk tolerance thresholds.

Set minimum DSCR and liquidity reserve minimums

Define chain coverage across EVM and Solana

Configure webhook channels for real-time risk alerts

View Checklist

Step 3: Live Underwriting Automation

Stream live credit decisions directly into loan origination portals and automated credit vaults.

Zero-manual data entry for incoming loan applicants

Automated margin adjustment via smart contract calls

Complete institutional audit logs for regulatory compliance