I'm always interested in attempts to streamline or automate the credit process as I know it can be a regulatory minefield (certainly in Europe, I assume it's the case in the US as well though maybe to a lesser extent). You mention you have an endpoint that ensures a credit offer is legally compliant - do you guys hire the lawyers to verify that (and more generally are you the ones drafting the template credit agreements) or is that something your customer has to do?

Also curious how this works if the original lender wants to syndicate or sell the loan - is this possible on your platform?