Built for UK development finance lenders

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.

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Mintstone lender portfolio dashboard showing real-time ADC exposure classification
RWA compression value
£4.5M
per year in freed capital per £100M ADC book (100% vs 150% RW)iAssumes 9% CET1 (excl. buffers & P2A) applied to 50pp risk weight reduction on £100M book.
16+
covenants monitored continuously per facility
< 24hr
from sign-up to live four-layer monitoring
7yr
SHA-256 hash-chain audit retention, PRA-ready
The problem
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.

Today's process

  • ✕ 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
vs

With Mintstone

  • ✓ 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
Four-layer monitoring
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
Earned value · EVM
Mintstone live site monitoring with SPI, CPI, progress tracking

33% less RWA. Continuous evidence to hold 100%, not 150%.

Automated Condition A and Condition B evaluation per PS 1/26. When something moves, the classification updates and you see exactly why.

  • ✓ Condition A: pre-sale % and deposit verification
  • ✓ Condition B: equity / GDV from open banking
  • ✓ Property type gating per PRA PS1/26 Art. 124K
  • ✓ Full audit trail of every weight change
Basel 3.1 · PS 1/26
Mintstone risk weight monitoring

16 covenants. Every one with a watch and breach threshold.

Configurable per facility. Calculated from live open banking transactions, valuations, and budget engine. Not manual spreadsheet inputs.

  • ✓ LTV, LTC, DTC recalculated on every data change
  • ✓ Configurable watch and breach thresholds per facility
  • ✓ Equity from classified bank transactions, not self-certification
  • ✓ Breach alerts pushed before covenant breaks
  • ✓ Three-tier valuation: Market Value, Cost-in-Place, NRV
Pillar 1 · Covenant compliance
Mintstone facility covenant monitoring

Catch valuation lag before it catches you.

Continuous AVM tracking against the last formal valuation. When the market moves, you know first.

  • ✓ AVM tracked via PropertyData API against RICS baseline
  • ✓ BoE base rate, ONS HPI, and rent index signals
  • ✓ Flags when AVM drifts from last formal valuation
  • ✓ Proposes RICS revaluation when drift exceeds threshold
  • ✓ Market context for every credit decision
PS 1/26 · Valuation currency
Mintstone market monitoring
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 the PRA asks, answer in one click.

Every metric traced to its source system, calculation method, and timestamp. Hash-chain verified. One-click audit report with full derivation chain.

Mintstone data lineage table showing every metric traced to source with derivation chain
📋 Data source lineage: every metric traced to origin
Mintstone PRA audit report, one-click regulatory report with full evidence
📄 One-click PRA audit report. SHA-256 hash-chain verified

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.

Read our research →
🔒 AES-256 🔗 Hash-chain audit 🇬🇧 UK data residency 📜 ICO registered (ZC119192) AI audit trail: every extraction logged and reviewable Full security posture →
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Live monitoring in
under 24 hours.
01
Request access Tell us about your portfolio
02
We configure Thresholds, alerts, permissions
03
Go live Four-layer monitoring, day one
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