Ingest the original evidence
Upload a PDF, CSV or XLSX statement for a customer. Encrypted PDFs can be supplied with a password, while processing continues asynchronously.
ARBITER
Financial intelligence infrastructureFinancial intelligence, made accountable
A better case for every lending decision.
Arbiter turns bank statements into reconciled financial evidence—so lending teams can assess affordability with clarity, speed and an audit trail.
The source stays beside the judgement.
Source statement
Account activity · June 2026
02 JUN · TRANSFER-₦38,000
28 JUN · SALARY CREDIT+₦450,000
29 JUN · RENT-₦85,000
30 JUN · UTILITIES-₦17,500
Original file retained
Decision annotation
Reconciled
Movements retain their source context.
Policy attached
Inputs, reasons and flags remain reviewable.
Decision record
A financial statement is more than a document. It is a sequence of income, obligations, behaviour and balances—each retained as evidence.
The assessment record
Statement assessment
GTBank · Jan—Jun 2026
Verified income
₦450,000
Verified monthly income · 6 months
Essential expenses₦170,000
Existing debt repayment₦65,000
Average monthly surplus₦200,000
stmt_01K2A8RX38VN4K · 842 reconciled transactions · 0 balance continuity breaks
Affordability result
AFFORDABLE
Debt-to-Income After Loan35.6%
≤ policy limit
Monthly capacity₦107,500
repayment cap
Residual income₦120,000
after repayment
From document to decision
A lending decision should be able to show its work.
Arbiter preserves the relationship between the source statement, its normalized transactions, calculated profile and the policy used to assess it.
Reconcile every movement
Transactions are extracted, normalized and checked against running balances. A continuity break remains visible—it never disappears into a summary.
Build the financial profile
Recurring income, essential expenses, existing debt and cash-flow behaviour become a readable record for underwriting teams.
Assess against policy
Arbiter calculates affordability and returns decision reasons, warnings and the policy snapshot behind the result. Review cases stay in the dual approval workflow.
Designed for the judgement around the number
Financial intelligence without the black box.
Deterministic decisions
Capacity, DTI and residual income are calculated against a defined affordability policy.
Review when context matters
Low-confidence parsing, integrity concerns and behavioural flags can route directly to review.
Traceable records
Assessment inputs, outcomes and policy snapshots are retained for a defensible decision trail.
Sensitive by design
Financial records are tenant-scoped, masked where needed and handled through role-based access controls.
For product and engineering teams
Integrate the decision trail, not just a score.
Use the same workflow as the Arbiter workspace: upload a statement, track its status, retrieve analysis and submit a proposed loan for assessment.
01POST /v1/statements
02GET /v1/statements/{statement_id}/analysis
03POST /v1/affordability
assessment.ts
POST /v1/affordability
{
"statement_id": "stmt_01K2A8RX38VN4K",
"loan": {
"amount": 500000,
"tenure_months": 6,
"monthly_repayment_amount": 95000
}
}
// response
{
"decision": "AFFORDABLE",
"monthly_affordability_amount": 107500,
"projected_dti": 0.356
}Statement coverage
Parser support is continuously maintained for Nigerian commercial and digital bank statements.
GTBankAccessZenithUBAFirstBankMoniepointKudaOPay+ more