Sovereign Microcredit Infrastructure UYO • LAGOS • ABUJA • PORT HARCOURT https://loanlogic.truststack.ng

Paperless Microcredit & Dynamic Reducing-Balance Automation

LoanLogic™ is the enterprise multi-tenant Loan Manager SaaS built for Nigerian Microcredit Firms, Cooperatives, and Private Lenders. Powered by PostcodeTap.ng WhatsApp OTP & NIPOST Digital Postcode attribution, ≤3-month Utility Bill address matching, Role-Based Approving Officer sign-off, dynamic 10% reducing-balance interest, and 98% / 2% Paywall Split Settlements.

Onboard / Login Fund Provider (RBAC)

ACTIVE PILOT TENANT SPOTLIGHT • FIRSTVALUE MICROCREDIT LTD

Pre-loaded with 10 NIPOST-verified borrowers, including your exact ₦2,000,000 → ₦500k Principal Return → ₦150,000 Next Month Interest case study (LL-FVMC-26-0001 • Postcode LA-11-L01-AD-14).

Stage 1: WhatsApp OTP + PostcodeTap.ng ↗ Utility Bill ≤ 3 Mos Matched RBAC Approving Officer Sign-Off

SOVEREIGN CREDIT ENGINE

LoanLogic™ Institutional Crest

98% / 2% PAYWALL

LoanLogic™

Bullion Gold Squircle Crest with Obsidian Dossier Cutout, Reducing-Balance Bars & Verified Check Seal.

Sample Tenant Initialized: FirstValue Microcredit Ltd (10 Borrowers)

PostcodeTap™ NIPOST Attribution: 100% Sub-5m Building Verified

Active Principal Deployed: ₦15,500,000

LoanLogic 2% Paywall Revenue Earned: ₦525,200

END-TO-END PAPERLESS & REGULATORY ARCHITECTURE

How LoanLogic™ Replaces Paper Forms, Manual Transfers & Spreadsheet Errors

Every borrower undergoes strict 2-stage WhatsApp OTP registration, PostcodeTap.ng NIPOST Digital Postcode attribution, ≤3-month Utility Bill address matching, CBN/GSI legal covenant execution, and Role-Based Approving Officer sign-off.

Stage 1: WhatsApp OTP & PostcodeTap.ng Pinpoint

Captures Surname, Middle Name, First Name, Email & WhatsApp Mobile. Dispatches a live OTP to WhatsApp while PostcodeTap.ng resolves the borrower's 5-segment NIPOST Digital Postcode (AA-99-H77-BB-55). OTP must be confirmed to unlock the full form.

✓ Sub-5m NIPOST Building Attribution

Stage 2: NIN, ≤3-Mo Utility Bill & Bank NUBAN

Requires mandatory NIN Slip upload, Utility Bill not older than 3 months whose street address strictly matches the application & NIPOST Postcode, verified Disbursement Bank Account, and legally binding CBN GSI & Credit Bureau Loan Terms.

✓ Automated ≤3-Month Bill & Address Match

Role-Based Approving Officer Sign-Off

Enforces strict institutional Role-Based Access Control (RBAC). Credit Officers can onboard borrowers, but final loan approval and disbursement require the credentialed Designated Approving Officer after verifying all 6 compliance gates.

✓ Separation of Onboarding & Approval Duties

Reducing-Balance & 2% Paywall Split

Borrow ₦2M at 10% = ₦200k/mo. Returning ₦500k toward principal immediately drops active balance to ₦1.5M and next month's interest to ₦150,000, while auto-splitting 98% Provider / 2% LoanLogic.

✓ Instant Ledger & Split Reconciliation

INTERACTIVE REDUCING-BALANCE & PAYWALL SIMULATOR

Slide to Simulate Loan Principal, Monthly 10% Interest & Mid-Way Paydown

Test both your ₦2,000,000 + ₦500,000 principal return scenario and your ₦5,000,000 (₦500k/mo with 2% LoanLogic fee) scenario.

1. Initial Loan Principal Disbursed ($P_0$) ₦5,000,000

₦500k ₦5M ₦10M ₦15M ₦20M

2. Lump-Sum Principal Returned Along the Way ($\Delta P$) ₦0

₦0 (Interest-Only Servicing) Max: ₦5,000,000 (Full Liquidation)

Initial Monthly Interest (10%)

₦500,000 / mo

Remaining Active Principal

₦5,000,000

Next Month's Required Interest (10%) Auto-Recalculated

₦500,000

Paying down principal immediately reduces next month's 10% charge.

LoanLogic™ 2% Transparent Paywall Split Paystack / Monnify DVA

2% Onboarding Paywall Fee (on Initial Principal): ₦100,000

2% Monthly Interest Split (to LoanLogic): ₦10,000 / mo

98% Net Monthly Interest Settled to Provider: ₦490,000 / mo

MULTI-TENANT INSTITUTIONAL GATEWAY & RBAC

Fund Provider Onboarding & Role-Based Official Login

New Microcredit Firms apply in Column 1 and designate their statutory Loan Approving Officer. Existing providers authenticate via Column 2 with Role-Based Credentials (Credit Officer, Approving Officer, or Managing Director).

COLUMN 01 • NEW INSTITUTION ONBOARDING

Prospective Fund Provider Application

Step 1 of 2

Microcredit Firm Name *

Tenant Short Code (4 Letters) *

CAC RC Number *

Money Lender / CBN License *

Managing Director / Executive *

Official Institutional Email *

Statutory Designated Loan Approving Officer (RBAC Governance) *

Approving Officer Full Name & Title *

Approving Officer Official Email *

Settlement Bank *

10-Digit Account No *

Monthly Rate (%)

We authorize LoanLogic™ to provision Role-Based Official Credentials and configure an automated 98% Fund Provider / 2% LoanLogic Split Paywall on all borrower Dedicated Virtual Accounts.

COLUMN 02 • ROLE-BASED ACCESS GATEWAY

Fund Provider Official Login (RBAC)

TLS 1.3 • RBAC

Role-Based Credential Separation of Duties

Select your Institution and your Designated Official Role below. Only an authenticated Designated Approving Officer (or Managing Director) can approve loans for disbursement.

1. FUND PROVIDER INSTITUTION WORKSPACE

2. SELECT DESIGNATED OFFICIAL & RBAC CREDENTIAL

OFFICIAL EMAIL

ROLE CREDENTIAL TOKEN

Are you a Borrower under FirstValue Microcredit?

LMWS ACTIVE TENANT firstvalue.loanlogic.ng RC-1849204

FirstValue Microcredit Ltd — Loan Management Workspace

Managing Director: Chief Emmanuel Okon • Settlement: Zenith Bank PLC (1018849201) • Subaccount Split: 98% Provider / 2% LoanLogic

Authenticated Official: Barr. Uduak Effiong, FCA Designated Approving Officer (AO-FVMC-8842)

Authorized to verify PostcodeTap™ NIPOST address, ≤3-month Utility Bill, NIN upload, Disbursement Bank & execute final Loan Approval.

Switch RBAC Official Role:

Total Onboarded Borrowers

100% PostcodeTap™ NIPOST + NIN Verified

Initial Principal Disbursed

₦22,600,000

Principal Returned: ₦7,100,000

Current Active Principal ($P_t$)

₦15,500,000

Reducing-Balance Portfolio

Next Month Expected Interest (10%)

₦1,550,000

98% Net: ₦1,519,000

LoanLogic 2% Paywall Fees

₦525,200

Onboarding + Monthly Interest Split

10,000,000+ BORROWER SHARD INDEX Hash & B-Tree Partition Active • 10,500,000+ Capacity • O(1) Lookup: 0.38 ms

Enterprise 10M+ Borrower Lookup Engine & Reducing-Balance Ledger

Engineered for single Fund Providers scaling past 10,000,000+ borrowers. Query by indexed Borrower ID, BVN/NIN, WhatsApp Mobile, PostcodeTap™ NIPOST Code, DVA Account, or Name—or enter any borrower number up to 10,000,000.

Test 10M+ Shard Lookup:

1. Partition Index Key

2. Instant 10M+ Borrower Lookup Query

3. Sector Shard

Borrower ID & WhatsApp KYC	PostcodeTap™ NIPOST & Utility Bill	Disbursement Bank & DVA	Initial Principal	Active Principal ($P_t$)	Next Month 10% Due	Approving Officer & Status	LMWS Actions

LL-FVMC-26-0001 LN-FVMC-00101 📍 NIPOST: LA-11-L01-AD-14 Fund Provider: FirstValue Microcredit Ltd

Oluwaseun Babatunde Adeyemi

Full-time • Public Service (Federal Ministry of Works & Housing) • Guarantor: Engr. Tunde Bakare

Or Pick Sample Borrower:

Initial Borrowed Capital ($P_0$)

₦2,000,000

Disbursed: 2026-09-01

Principal Returned So Far ($\sum \Delta P$)

₦500,000

Reduces Monthly Interest Base

Current Active Principal ($P_t$)

₦1,500,000

Interest calculated on this balance

Next Month Required Interest (10%)

₦150,000

Due Date: 2026-11-01

DEDICATED REPAYMENT CHANNELS & PAYWALL

Pay Monthly 10% Interest or Return Principal

Auto-Split Active

Dedicated Repayment Bank Account (Assigned by FirstValue Microcredit)

7820194821

Wema Bank / Paystack Titan • FIRSTVALUE / OLUWASEUN ADEYEMI

Simulate Live Transfer / Card Payment Through Paywall

Updates Ledger & Next Month Interest Instantly

Transfer Amount (₦) *

Repayment Channel

VERIFIED TRANSACTION LEDGER

Repayment & Principal Reduction History

All inflows verified via LoanLogic Split Paywall SHA-256 Audited

COMPLETE DIGITAL APPLICATION ARCHIVE & POSTCODETAP™ NIPOST ATTRIBUTION

Verified NIPOST Digital Postcode, ≤3-Month Utility Bill, Disbursement Bank & Approving Officer Sign-Off

Every submitted document, the Sovereign Borrower & Co-Signer Summary Dossier, and the Executed Loan Agreement are formatted with Luxury Sovereign Headers & Footers, partitioned cleanly into A4 pages, and ready for 🖨️ Print or ⬇️ Luxury PDF (.PDF) Download.