Access the next evolution of verification agent services with Lenvi ALVIN - Automated Loan Verification Integration.
From identifying double pledging risks to tracking cash flows back to legitimate, identifiable customers, Lenvi ALVIN automates loan verification so you can invest with certainty.
Compatible with a wide range of loan management systems, Lenvi ALVIN enables funders to:
Eliminate double pledging risk
Verify data, at source
Track cash flows
Continuously monitor their portfolio
Bought to you by Lenvi's Capital Markets - the team trusted by lenders, funders, and institutional investors
Functionality that delivers comprehensive protection against fraud
Lenvi ALVIN introduces a new approach to loan verification. The Lenvi ALVIN platform’s data-first approach gives funders complete confidence in what they’re financing. At the core is a simple principle: go straight to the source.
Built-in protection against double pledging
Every loan is tokenised within the platform, creating a unique digital fingerprint, meaning:
- Loans with similar or matching characteristics are instantly identified
- Funders are alerted before risk becomes exposure
Real-time cash flow tracking
Using Open Banking connectivity, Lenvi ALVIN tracks money as it moves
- Monitoring disbursements to end customers
- Tracks repayments back into accounts
- A clear, verifiable flow of funds
Continuous portfolio monitoring
Verification isn’t a one-time event, it’s ongoing. Our portfolio oversight includes:
- Live performance tracking
- Continuous reconciliation
- Collections visibility
Funders gain an always-on view of their portfolio exposure.
Direct access to source data
Lenvi ALVIN connects directly into a lender’s loan management system (LMS) via secure API integration.
- Data is pulled directly from source system into the Lenvi ALVIN platform
- No manual intervention or alteration points
- Creating a single, consistent version of the truth
Visibility across funding lines
Structured finance often operates across multiple silos – creating blind spots where risk can hide.
Lenvi ALVIN unifies these silos:
The platform works seamlessly across funding lines
Identifies key characteristics of each loan
Automatically maps loans to the correct structure, silo, or funder
Proven existence of underlying assets
In the case of asset-backed deals, Lenvi ALVIN confirms whether assets actually exist by:
- Retrieving support documentation directly from source
- Cross-checks assets against transaction data
- Validates authenticity at the point of ingestion
Why Lenvi ALVIN?
Trust isn't proof anymore
Recent high-profile fraud cases have fundamentally reshaped how capital markets and structured finance operate. Fraudulent practices like double pledging and falsified invoices exposed a critical weakness: Systems built on trust can be exploited when visibility is limited. For many funders, this isn’t about negligence – they’ve operated with the best tools, processes, and data available at the time. However, the landscape has now changed.
Originator transparency is no longer optional
Transparency is a prerequisite, not a nice-to-have meaning transactions experience delays due to additional verification requirements. Investors require deeper, more reliable validation, originator needs to provide clear, auditable proof of underlying assets. But, how can this be achieved consistently, at scale, and with confidence when traditional verification methods rely on manual processes, partial samples, and time-intensive checks prone to human error? Lenders need a new approach.
Working in harmony with your audit processes
Lenvi ALVIN is designed to complement, not replace audit processes.
Audits and portfolio reviews are not just about data – they are designed to investigate whether a lender is following their own processes from underwriting, to complaints and arrears.
Audits provide assurance to the investor that their money is being used in a compliant manner, in accordance with regulations.
In an increasingly complex and scrutinised lending environment, confidence in data, compliance, and portfolio management is critical.
Lenvi’s audit services provide independent, comprehensive assurance that lending portfolios are accurate, compliant, and investment-ready at every stage of their lifecycle.
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