# A shared record for the life of a loan.

Canonical page: https://finanzer.ai/platform/onchain-credit

> Finanzer is designing on-chain credit operations that connect approved financial events to the underlying facility. Private evidence, legal rights and human authority remain part of the same process.

Finanzer is designing on-chain credit operations that connect approved financial events to the underlying facility. Private evidence, legal rights and human authority remain part of the same process.

## Make the record visible. Keep the evidence controlled.

Selected events can be recorded on-chain without publishing the borrower’s documents. References connect the two records for authorised users.

## Define what the system can execute.

The proposed contract design separates recording an event from authorising a movement of funds. Each operation needs a defined input, permission and result.

### Authorise

An approved instruction names the facility, recipient and permitted operation.

### Execute

The selected provider or contract carries out the instruction within its permissions.

### Confirm

Record the result and match it to the facility. Unresolved events remain open for review.

## A transfer, a loan and a token represent different things.

The design keeps these objects separate so each participant can identify the rights and obligations attached to them.

| Object | What it represents |

| --- | --- |

| Stablecoin transfer | Movement of a digital settlement asset. |

| Loan agreement | The borrower’s obligation and the lender’s rights. |

| On-chain event | A recorded transfer or permitted financial state. |

| Tokenized instrument | Specified investment rights, if an instrument is issued. |

| FZR | Participation and separately agreed voluntary risk allocation. |

## Business events still need evidence.

Delivery, repayment and default cannot be established from a transaction hash alone. The operating process needs trusted records and a named party responsible for confirming them.

### Source evidence

Link delivery records, bank receipts and other inputs to their origin.

### Credit authority

Keep model assistance separate from the authorised lending decision.

### Exceptions and recovery

Record corrections, disputes, missed payments and the actions taken.

[Review security and governance](https://finanzer.ai/security)

## The same services support different products.

Business Capital, Commerce and Embedded Finance use shared credit and settlement services. A common system does not merge their capital, legal rights or loss exposure.

[Explore the platform](https://finanzer.ai/platform)

## Your questions, answered.

### Does everything go on-chain?

No. The proposed architecture separates selected financial events from private business evidence. The implementation must define which events, identifiers and permissions are used.

### Are the loans already tokenized?

Tokenized instruments remain part of the proposed architecture. Any future investment instrument needs its own structure, rights and transfer rules.

### Can a smart contract enforce repayment by itself?

Contract code can execute defined operations on assets it controls. Collection from a business and enforcement of off-chain rights depend on the agreements, servicing and recovery process.

### Is FZR the credit instrument?

No. FZR is the proposed network asset. A loan agreement, any investment instrument and a voluntary FZR risk mandate have separate roles.

## Work through the details with us.

Tell us about the financing, the participants and the records your process needs.

[Talk to our team](https://finanzer.ai/contact?topic=Platform%20discussion#enquiry)

[How Finanzer works](https://finanzer.ai/platform)