The evidence layer
for ADC lending.
Between the QS report and the PRA audit, there's a gap filled with spreadsheets and stale data. Mintstone closes it. Continuous monitoring. Full derivation chain. One-click audit trail.
the PRA can audit.
· Market · Counterparty
- 1Request submitted14:02
- 2Online QS verified14:18
- 3Approved14:32
Online QS verifies progress in real time. Drawdowns don't wait for the next site visit.
- RW back to 100%14:33↳ pre-sale registered14:32
- RW raised to 150%09:15↳ equity drop recognised09:14
Re-evaluated the instant project evidence changes, not at the next quarterly review.
Between the site visit and the risk weight,
there's a spreadsheet.
Your QS visits quarterly. Your bank statements arrive monthly. Your valuations are six months old. But the data the PRA needs changes daily. Spreadsheets can't bridge that gap.
- QS visits quarterly. Between visits, there's a blind spot
- Equity verified manually from bank statements. No audit trail
- Risk weight set at origination, rarely revisited
- PRA asks a question. Days to reconstruct the answer
- Real-time progress data between QS visits. Bank sees everything live
- Equity traced from classified bank transactions. Full audit trail
- Risk weight re-evaluated on every data change
- PRA asks a question. One-click report with full lineage
From site visit to risk weight. Connected.
Know if the build is on track. Or drifting.
Real-time schedule and cost performance tracking for every active project. Not quarterly QS reports. Continuous.
- SPI: schedule performance index vs baseline programme
- CPI: cost performance index against approved budget
- Progress % tracked against earned value
- Auto-alerts when schedule slips or costs overrun
- Variation orders flagged before they become cost overruns
Contracts and documents extracted, mapped, and audited automatically.
JCT contracts, facility agreements, and pre-sale deposit documents are parsed on upload. Variation instructions are flagged from site photos and contractor messages before costs escalate. Every extracted value is stored with its source document, confidence score, and reviewer override trail.
Auditable AI- JCT extraction: clauses, contract sum, and works mapped to work items
- Facility extraction: stages, covenants, and preconditions structured automatically
- Deposit OCR: verification status tracked as Verified, Mismatched, or Unreadable
- Variation detection from site photos and contractor Telegram messages
- Every extraction logged with source document, confidence score, and override trail
When the PRA asks, answer in one click.
Every metric traced to its source system, calculation method, and timestamp. Hash-chain verified. One-click monitoring & audit report with full derivation chain.
Every monitoring gap is trapped capital.
When the PRA reviews your ADC book, they assess the quality of your monitoring controls. Weak evidence leads to a supervisory finding. A supervisory finding leads to a Pillar 2 capital add-on. That add-on means less competitive pricing.