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Loan Review & Approval
Admin-side operations for reviewing loan applications, managing loan stages, verifying collateral, and handling special cases.
Admin Loan Workflow
1. Review Loan Application
When a user submits a loan request, admin reviews in the CMS (Directus):
| Field | Description |
|---|---|
| Customer | Customer name, KYC tier, max loan limit |
| Asset Type & Network | Collateral cryptocurrency and blockchain |
| Collateral Volume | Crypto amount pledged |
| Collateral Value | Value in THB at submission price |
| Loan Amount | Requested THB amount |
| LTV | Loan-to-Value ratio |
| Duration | Loan term (30/60/90 days) |
| Fees | Processing fee, interest, third-party fee |
| Risk Levels | Health percentages at various price points |
2. Approve / Reject
| Action | Stage Transition | Result |
|---|---|---|
| Approve | application → deposit_pending | User can deposit collateral |
| Reject | application → loan_cancel | Loan cancelled, user notified |
- Email notification sent on approval/rejection
- Rejection should include a reason
3. Collateral Verification
Collateral deposits are tracked via the custodian service (Kryptodian):
4. Loan Stage Management
Admin can monitor and manage loan stage transitions:
| Stage | Description | Admin Action |
|---|---|---|
application | Loan submitted, pending review | Approve or reject |
deposit_pending | Approved, awaiting collateral | Monitor deposit |
collateral_deposited | Collateral received | Verify and activate |
loan_active | Loan running | Monitor health |
close_to_matured | Nearing end date | Send reminder |
loan_matured | Past end date | Follow up on repayment |
late_payment | Overdue | Calculate late fees, notify |
payment | Repayment submitted | Verify payment slip |
loan_closed | Fully repaid | Archive |
loan_cancel | Cancelled | Archive |
liquidated | Collateral sold | Process liquidation |
extension_requested | Extension submitted | Review extension |
extended | Extension processed | Archive old, new loan active |
5. Over-Limit Handling
Loans exceeding 2,000,000 THB require special handling:
- System creates a
loan_request_over_limitrecord automatically - Admin receives notification for manual review
- Admin verifies additional documentation if needed
- Can approve to proceed with normal flow or reject
Next: KYC Management →