Lending network status: Operational · All bank connections live
Institutional desk: 1-800-EQUITY-1 Borrower support: support@equityrail.com
Funding Bank Portal

Originate and fund real-time HELOCs. One API.

EquityRail is infrastructure, not a competitor. Your institution keeps its brand, its underwriting standards, and its rate tables. The platform supplies the machinery: live valuation feeds, automated credit monitoring, instant funding settlement, and the borrower payment gateway.

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OAuth 2.0 client credentials · TLS 1.3 · Sandbox keys issued after institutional verification.
6
Endpoints from origination to servicing
< 2 sec
Funding settlement to borrower lines
< $0.10
Network cost per transaction
100%
Auditable, cryptographically signed ledger
API Reference

Origination through funding, in six endpoints.

You send borrower applications and funding commitments; EquityRail executes valuation, pricing, monitoring, settlement, and payments against the parameters you configure.

  • POST/v1/originateLoan
    Submit a borrower application with your LTV ceiling, rate table, credit thresholds, and monitoring interval. Returns a live credit line ready to fund.
  • POST/v1/fundLoan
    Commit funding in tokenized dollars. Settlement to the borrower's line completes in seconds with a full audit trail.
  • GET/v1/loanStatus
    Retrieve balance, current LTV, rate tier, latest credit score, and limit-adjustment history for any account in your portfolio.
  • POST/v1/adjustLTV
    Trigger a limit recalculation against the latest valuation feed, or update your configured LTV ceiling portfolio-wide.
  • POST/v1/monitorCredit
    Run or schedule soft credit pulls. Draw halts and resumptions execute automatically against your thresholds.
  • POST/v1/processPayment
    Receive borrower repayments through the EquityRail payment gateway and route servicing income to your settlement account.
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Integration Path

From first call to funded loans in four stages.

STAGE 1

Institutional verification

Charter documentation, compliance review, and network agreement. Typically completed within one week.

STAGE 2

Sandbox build

Full-fidelity test environment with simulated valuation feeds, credit data, and settlement. Your engineers integrate against real endpoint behavior.

STAGE 3

Parameter configuration

Load your LTV ceilings, FICO-keyed rate tables, halt/resume thresholds, and monitoring intervals — all configurable by API, no code changes.

STAGE 4

Certification & go-live

End-to-end certification of origination, funding, and servicing flows, then production keys and live network access.

The Funding Flow

How money moves on the network.

FLOW 01

You commit funding

Your institution funds approved lines in tokenized dollars through /v1/fundLoan — from your settlement account, under your treasury controls.

POST /v1/fundLoan → settled < 2s
FLOW 02

Borrowers draw and spend

Draws convert to spendable fiat at point of sale via Visa, Mastercard, Apple Pay, or Google Pay. Draw controls enforce your LTV and credit thresholds automatically.

draw → card network → merchant
FLOW 03

Payments return to you

Monthly repayments come in through the borrower payment gateway and route to your settlement account, with interest accruing at your configured rates.

POST /v1/processPayment → your account
Compliance Infrastructure

Built to satisfy your examiners.

Every workflow on the network carries the compliance scaffolding your regulators expect, so your team reviews reports instead of building pipelines.

KYC / AML screening

Identity verification and transaction monitoring on every account, with case files exportable to your BSA team.

HMDA reporting

Reportable fields captured at origination and delivered in regulator-ready LAR formats.

SOC 2 & encryption

SOC 2-audited APIs, AES-256 at rest, TLS 1.3 in transit, OAuth 2.0 access control throughout.

CFPB & TILA aligned

Consumer disclosures, rate-change notices, and servicing workflows built to federal consumer-lending standards.

Put your capital on modern rails.

Talk to the institutional desk about network membership, or get sandbox credentials for your engineering team this week.

Contact the institutional desk Review the API again