PS 1/26 & Basel 3.1 compliant

Your risk in your development book before it costs you.

Live project monitoring with RICS PS 1/26 valuations, Basel 3.1 covenant tracking, and open banking. Built for UK development finance lenders.

Request Early Access See how it works ↓
Mintstone Basel 3.1 and PS 1/26 compliant lender portfolio dashboard
£0k
In loans processed to date
Real-time
Bank transaction sync
Basel 3.1
PRA compliance ready
30s
Audit report generation
Capabilities
Built for lenders by developers.
Every feature designed around the lending lifecycle from facility agreement to final drawdown.
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Live Covenant Tracking

Automated LTV and LTC calculations against facility thresholds. Real-time breach alerts. Basel 3.1 compliant.

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Open Banking Integration

Direct bank feed. Every transaction classified. Investor deposits, contractor payments, unaccounted flows.

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Drawdown Workflows

Geo-tagged site photos for progress verification, invoice matching, and stage-gate approvals. Timestamped, location-verified evidence on every drawdown.

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AI Analysis Suite

AI image analysis for site verification. AI voice analysis for contractor communications. AI text analysis for documents and scope changes.

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AI Calling Agents

Automated calling agents for contractor and stakeholder follow ups. Keep projects moving without manual chasing.

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RICS Audit Reports

One-click PRA-compliant reports. Hash-chain verified, immutable. RICS PS 1/26 three-tier valuations.

For Lenders
Every project. Every metric. One screen.

Live risk scores, drawdown positions, covenant status, and valuation movements. No more chasing monthly reports.

  • ✓ Portfolio-level risk heatmap
  • ✓ PS 1/26 valuation decline triggers
  • ✓ Drawn LTV with three-tier assessment
  • ✓ Cost overrun & contingency tracking
  • ✓ S-curve progress charting
Lender project monitoring view
Developer project management view
For Developers
A tool developers actually use.

After working with 50+ developers and contractors closely on live projects, we have figured how to fit in the cycle. Unlike monitoring only platforms, Mintstone injects itself in the lifecycle of construction, generating the data you need as a byproduct.

  • ✓ Kanban project management
  • ✓ Natural communication channels that fit builders' low tech lifestyle
  • ✓ AI-powered invoice & receipt scanning
  • ✓ Easy budget management
  • ✓ JCT contract management
Analytics & Compliance
Basel 3.1 ready data your credit team can act on.
Project analytics and S-curve charts

Project Analytics

S-curve progress, budget burn down, and contractor performance metrics. All real-time.

Basel 3.1 PRA compliant RICS PS 1/26 audit report

RICS / PRA Audit Report

One-click Basel 3.1 compliance report with hash-chain verified audit trail. Generated in 30 seconds.

Security & Compliance
Built for regulated lenders.
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AES-256 Encryption

All data encrypted in transit and at rest.

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Immutable Audit Trail

SHA-256 hash-chain verified. PRA-ready.

🇬🇧

UK Data Residency

UK/EU servers. Fully GDPR compliant.

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Role-Based Access

Granular permissions per user role.

Get Started
Live in under 24 hours.
01

Request access

Tell us about your lending portfolio. We'll respond within 24 hours.

02

We configure your workspace

Dashboard, activation codes, user permissions. Ready to go.

03

Issue to your first borrower

Borrower activates, uploads facility, and you have live monitoring.

Early Access
See Mintstone for
your lending book.
We're onboarding a small number of UK lenders. Request access and we'll be in touch within 24 hours.
We'll respond within 24 hours. No spam, ever.