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Secretary of State API

Shela Heramis

April 28, 2026

May 11, 2026

12 Minutes Read

High-Volume KYB at Platform Scale: Architecture for Infrastructure Companies (2026)

Platforms that embed KYB verification as a feature for downstream customers inherit every verification failure at N times the scale. Here is how the architecture has to change when you go from single-tenant underwriting to multi-tenant verification infrastructure.

Secretary of State API

Shela Heramis

April 28, 2026

May 7, 2026

12 Minutes Read

Verification Waterfall Design: When to Use Cached vs Real-Time Secretary of State Data in 2026

Pure cache verification is cheap but stale. Pure live-ping is current but slow and expensive. A production waterfall routes each application to the right path based on deal risk, entity lifecycle, and state mix. This post is the architecture playbook.

Secretary of State API

Shela Heramis

April 28, 2026

May 5, 2026

12 Minutes Read

How to Verify Newly-Formed LLCs and Sole Proprietors at Onboarding in 2026

Newly-formed businesses and sole proprietors are the hardest segment to verify at onboarding. Static feeds miss them, fraud rings target them, and state lender-licensing policy requires fast decisioning anyway. Here is the verification playbook.

News

Shela Heramis

April 27, 2026

April 24, 2026

13 Minute Read

Pioneer-Targeted Lending Deal Triggers Warehouse Repricing Risk

SOFR+350-450 warehouse paper faces Q4 2026 repricing test

News

Shela Heramis

April 23, 2026

April 22, 2026

15 Minutes Read

CFPB Kills ECOA Disparate Impact, Effective July 21

Reg B Final Rule Hits 482,000 Nondepositories

News

Shela Heramis

April 21, 2026

April 20, 2026

13 Minute Read

Fresno Lender Pleads Guilty in $45M Participation Fraud

$20M Bitwise Participations Altered, Signature Forged, DOJ Says

Business Verification

Shela Heramis

April 21, 2026

April 29 2026

14 Minutes Read

Top 10 Alternative Credit Data Providers in the United States (2026)

Top 10 alternative credit data providers U.S. lenders should know in 2026, what each offers, and how to layer them with primary-source entity verification.

Business Verification

Shela Heramis

April 21, 2026

April 28, 2026

15 Minutes Read

Secretary of State API Multi-State Coverage and Jurisdiction Tracking: A 2026 Guide for Alternative Lenders

How lenders navigate 51-jurisdiction Secretary of State coverage, compare cached vs live verification, and track cross-state business registrations.

Business Verification

Shela Heramis

April 21, 2026

April 24, 2026

14 Minutes Read

How to Integrate OFAC Screening API Into Your Lending Workflow

Technical how-to for integrating OFAC screening APIs into lending workflows. SDN list mechanics, fuzzy matching, false positive handling, real-time vs batch.

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