For hard money & institutional private lenders
Give every private loan a record anyone can verify.
Nexus Ledger is the scoring, registry and verification layer for private real estate loans — hard money, bridge and institutional private credit. Connect your servicing system once and every loan you fund carries an independent score, a ledger anchor and a public proof of standing.
Why lenders connect
Paper notes are hard to trust
A PDF promise and a real payment history are different things. Counterparties, investors and buyers spend days re-underwriting loans by hand because there is no independent record to check.
Diligence slows every deal
Every note sale, participation or line-of-credit advance triggers the same manual document chase. The lender who can hand over a verifiable record closes faster and prices better.
Your track record is invisible
Decades of clean servicing live in spreadsheets and a servicing platform nobody else can see. An independent, tamper-evident record turns that history into an asset you can show.
How the API works, end to end
Push events as they happen
One signed endpoint receives loan, party, payment, schedule, document, risk and version events from your servicing system. HMAC-signed, idempotent, safe to replay.
Nexus scores each certified loan
Scores build automatically from the events you send — 400 points payment history, 300 asset strength, 200 entity verification, 100 tenure. Delinquencies persist on the record for 12 months.
Registry anchors daily
A daily Merkle root of the certified registry is anchored to the XRP Ledger with a transaction anyone can look up. Read the registry back over the API any time.
Verify and share
Public verification links, certified verification and borrower passports are served from this site — no sign-in for the counterparty, no data exposure for you.
The full endpoint reference with copy-paste examples for every call lives in the public API documentation.
What you get
A score buyers and credit lines respect
The Nexus Score (0–1000) rates each loan on payment record, asset strength, entity verification and tenure — certified loans only. Share it with warehouse lenders, participants and note buyers as third-party evidence of quality.
Tamper-evident ledger anchoring
Certified records are hashed into a daily Merkle root and written to the XRP Ledger. Anything that changes later is provable against what was anchored — no trust in anyone's word required.
Verification links instead of document packs
Every loan gets a public verification page and every borrower a passport page. Send a link instead of a folder; the counterparty confirms terms and standing themselves, with the ledger proof attached.
Nothing that identifies the borrower
Verification pages publish only what a counterparty needs to trust the paper — terms, standing, score and ledger proof. No names, no addresses, no personal data leaves your shop.
Fractional participations, tracked and anchored
Sell participation splits with each assignment recorded and anchored as it settles. Your investors see exactly what they hold.
Live or test ledger, per key
Every API key can record to the live XRP ledger or the test ledger. Prove the whole integration risk-free before a single real transaction is written.
Request an API key
Tell us about your lending operation and we will issue a key with its own signing secret. You can run the entire integration on the test ledger first — nothing touches the live ledger until you switch over.
Already have a verification link?
See what your counterparties would see. Verification links look like /verify/<token> and a borrower passport lives at /passport/<id> — open one without an account.