How it works

Five stages from PDF to decision

Each stage is plain and inspectable. Here is what happens to a statement after you submit it.

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The stages, in order

Stage 01 of 05

Ingest

The PDF arrives through the API or the portal, alone or in a batch.

  • Upload through the REST API or the web portal
  • Send one statement or a whole batch
  • Every file enters the same audited pipeline

Stage 02 of 05

Read

Text PDFs are read directly. Scanned PDFs go through a vision path, and low-confidence results are escalated.

  • Text-layer PDFs are parsed directly
  • Scanned PDFs are read through a vision path
  • Low-confidence results go to a reviewer

Stage 03 of 05

Mask

Personal data is masked before anything reaches the language model.

  • Names, account numbers and contact details are masked
  • Masking runs before any model call
  • The model only ever sees redacted data

Stage 04 of 05

Screen

Tamper checks run and cash-flow signals and the Financial Health Score are computed.

  • Tamper checks on every statement
  • Cash-flow signals computed from transactions
  • A Financial Health Score for each applicant

Stage 05 of 05

Decide

Your versioned policy is applied, the trace is kept, and your team makes the decision.

  • Your versioned credit policy is applied
  • A full trace is kept for audit
  • Your team makes the final decision

What you do

  1. Submit

    Send a statement or a batch through the API or the portal.

  2. Review

    Read the signals and the tamper screen. Statements that need a person are flagged for manual review.

  3. Decide

    Apply your versioned policy and decide. The trace of the decision is kept.

Submit a statement

curl -X POST https://<your-domain>/api/v1/bank-statements \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "X-Tenant-ID: YOUR_TENANT_ID" \
  -F "file=@/path/to/statement.pdf"
A single statement upload. Replace the placeholders with your own values.

Ready to see it in a demo?

Tell us about your lending workflow and we will arrange a demo.

Request a demo

What happens in a demo

  1. Bring a sample statementWe run it through DharaIQ with you, start to finish.
  2. Read the results togetherScore, cash-flow signals and tamper checks, explained line by line.
  3. Plan how it fitsAPI or portal, security questions and how billing would work for your team.