FLS
FLS SeedsOSApplicant portal · UW desk · XRPL fund

FLS SeedsOS admin

First-time setup for the full lender stack demo.

Suggested demo password is prefilled: FLSAdmin1!

← Showcase site

Unlock

Demo password (if you used the default): FLSAdmin1!

Choose a demo path

See the product the way a customer does, then switch to UW / admin to review and fund on XRPL. Admin:

1 · Applicant path

What the customer sees: Clearask application, submit for review (24 business hours), then TILA only if approved — and their portal.

  • Clearask-weighted application
  • Submit → underwriting (24 business hours)
  • If approved → full e-sign protocol
  • Certificate required before XRPL funding

2 · UW / Admin path

Ops desk: underwriting queue, approve offers, fund accepted loans on XRPL (RLUSD prepare → sign → submit → validate), service loans.

  • Manual UW review
  • XRPL RLUSD fund queue
  • Multi-step ledger settlement
  • Payments & XRP give-back

Suggested walkthrough

  1. Applicant — apply or load demo → Application received (24 business hour review).
  2. Admin — UW desk → Approve & release TILA package.
  3. Applicant — e-sign: consent → open all docs → typed signature + ACH → certificate.
  4. Admin — XRPL fund queue (blocked until certificate) → fund → applicant portal.

Your lending portal

Customer view — apply with a Clearask, review your loan package, accept disclosures, then track funding and balances.

Get started

Clearask first
What you need and how you’ll repay — weighted above bureau alone.
Decision first, then TILA
No instant approval. Underwriting within 24 business hours. Official Truth in Lending only if approved.

Underwriting & funding desk

Admin: · Clearask-weighted UW · TradFi + second look · XRPL RLUSD fund · XRP interest credit

Applications
0
In UW / pending
0
Awaiting XRPL fund
0
Active loans
0
Paid off
0

Operations

Customer applications from /apply/ (or wage30.com/fls/apply/) land in localStorage on this browser and in the GitHub inbox when cloud sync is configured. Use Import cloud inbox to pull repo snapshots into this UW desk.

1 · UW
Review Clearask + bureau + second look; approve so customer can accept.
2 · Fund on XRPL
After customer accepts disclosures, fund RLUSD: prepare → sign → submit → validate.
3 · Service
Record payments; on payoff, pro-rata XRP give-back.
4 · Switch path
Use “Switch path” to see the applicant portal after funding.

Loan application

Warmer than a cold bank form — still rigorous. Your Clearask (a clear ask: what you need and how you'll repay) outranks raw credit alone.

1 Identity & request 2 Clearask 3 First look (TradFi) 4 Second look

Max $7,500 program-wide. Second look path caps at $2,500 until 6 months on-time.

Underwriting desk

Manual review queue — Clearask + bureau + second look. Approve so the applicant can accept the loan package.

ApplicantStagePathClearask / CompRequest

XRPL fund queue

Sign first, fund second. Queue only includes loans with every package document acknowledged + package signature + certificate. No RLUSD or XRP leaves until then. Ledger: prepare → sign → submit → validate.

Borrower / loan Amount Wallet XRPL status

Loans

BorrowerStagePrincipalAPRPayoff

XRPL settlement ledger (stub)