The evidence layer
for development finance.

Continuous evidence
Monitoring controls
anyone can audit.
The spine
SpeedSecurityControlAuditable
Evidence, not assertion. Every number derived from source, never taken on trust.
Drawdowns in minutes
  1. 1Request submitted14:02
  2. 2Online QS verified14:18
  3. 3Approved14:32

Once progress is submitted, the online QS verifies it remotely. No waiting weeks for the next site visit.

Collateral check
  • Companies House chargesChecked
  • Mintstone networkNo match
  • Land Registry titleChecked

Every registered charge on the asset, cross-checked before money moves.

Mintstone lender portfolio dashboard showing real-time ADC exposure classification
Drawdown decision
Minutes
from submitted progress to approval, not weeks
Online QS verifies remotely, no site-visit wait
16+
covenants monitored continuously per facility
< 24hr
from sign-up to live monitoring
7 yr
SHA-256 hash-chain audit retention, tamper-evident
One spine, three ways in

Start anywhere. Each tier is complete on its own.

Bridging, ADC, or wholesale. The same monitoring layer serves each one alone, and the same evidence flows up the stack when they connect. Stronger together, never all-or-nothing.

Bridging lenders

Slow drawdowns, no counterparty visibility, variations caught late.

  • Faster drawdowns from clean, structured QS evidence
  • Evidence verified taken on site, geo-tagged, not a desk upload
  • Live counterparty and site status
  • AI catches project variations before money moves
  • Collateral checked against double-pledging
ADC lenders

A 30 to 90 day lag on risk-weight change, and the Basel 3.1 continuous-monitoring gap.

Everything bridging lenders get, plus
  • Early risk-weight indicators, re-evaluated on every data change
  • Basel 3.1 and PS 1/26 continuous-monitoring evidence
  • Capital held with confidence, not at the next quarterly review
Wholesale funders

Funding a self-reported loan tape with no independent way to verify it.

Everything ADC lenders get, plus
  • Independent, read-only view of every loan your lenders monitor
  • Live collateral control: what's pledged and what's drawn
  • Continuous double-pledge detection across the network
  • A tamper-evident audit trail behind every loan
The problem

Everyone up the chain is trusting numbers they can't verify.

The borrower self-certifies. The QS visits quarterly. The loan tape is a spreadsheet. By the time anyone can independently check, the money has already moved. That is how collateral fraud and double-pledging slip through.

Read how collateral fraud takes lenders down
Speed
Drawdowns wait weeks for the next site visit
Drawdowns in minutes, the moment verified progress lands
Control
Equity and covenants self-certified, taken on trust
Recalculated continuously from classified open banking data
Fraud
Collateral checked once at origination, never again
Collateral re-checked continuously for double-pledging across the network
Lineage
Funders and auditors trust a loan tape they can't verify
Anyone up the chain verifies any number in one click, hash-chain proven
Five-layer monitoring

One layer per blind spot.

From the site to the funder, one connected layer. Site progress, risk weight, covenants, market and counterparty, each watched continuously and traced to source.

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
Earned value · EVM
Mintstone live site monitoring with SPI, CPI, progress tracking
Document intelligence

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
Source-to-report lineage

When anyone asks, answer in one click.

Every metric traced to its source system, calculation method, and timestamp. Hash-chain verified. Whether it is your funder, your auditor, or the PRA, the full derivation chain is one click away.

Mintstone monitoring & audit report for PRA PS1/26 evidence, showing Basel 3.1 covenant and RWA compliance with LTV, LTC, drawn exposure and valuation range
AES-256 encryptionHash-chain auditUK data residencyICO registered (ZC119192)AI audit trail: every extraction logged and reviewableFull security posture
Get started

Live monitoring in
under 24 hours.

01
Request access
Tell us about your portfolio
02
We configure
Thresholds, alerts, permissions
03
Go live
Five-layer monitoring, day one
We'll respond within 24 hours. No spam, ever.