APIs solve the data problem. Payments are a different problem entirely.
Every operational risk conversation with lenders ends up in the same place: payments. A wrong wire amount or a stale bank instruction is rare, but expensive when it happens.
Co-lenders and borrowers submit payment instructions securely on-platform. From there, LoanStreet handles NACHA files for ACH, plus wire, SWIFT, and EFT messaging — no re-keying amounts, dates, or pro-rata splits by hand.
Fewer manual touchpoints, fewer places for a real problem to start.