Credit Guide
Access Prerequisites
- Permission (module):
viewCredits - License/Feature:
CREDIT_INVESTMENTSenabled in the tenant license (Vault). - Menu container: TOKENIZATION → group Tokenized Credit
What it is / when to use
The Credit Guide is a static embedded help page in the BackOffice that describes, end to end, the credit tokenization flow — from environment prerequisites through post-settlement steps (disputes, buyback, burn). There is no backend or actions: it is reference material for the operator to understand in which order to configure and operate the other screens in the group.
Use the guide as an implementation and training roadmap. Each phase below points to the manual screen where the action actually takes place.
Prerequisites
- Permission:
viewCredits(the group only appears for users who have this read access). - License/Feature:
CREDIT_INVESTMENTSenabled — otherwise the group does not appear in the menu. - Dependencies: none; this is informational content.
Guide structure (phases)
The in-app guide is organized into prerequisites + 6 phases. Below is the phase map and links to the corresponding screens in this manual.
Environment prerequisites
- Feature flags:
CREDIT_INVESTMENTS(and related flags) enabled in the license/Vault. - BaaS: banking/escrow account configured (the Escrow Pool is used in the settlement waterfall cascade).
- Blockchain: deploy/mint wallet and chains configured for Credit Tokenization.
Phase 1 — Base configuration
Register, in this order, the parameters that operations will consume:
- Parties — originators, investors, and drawees.
- Receivable Types — accepted categories and required fields.
- Pricing Templates — spreads, rates, and terms.
- Waterfall Templates — distribution order at settlement.
- Funding Sources — capital pools by investor.
- Credit Policies — eligibility rules and automatic risk assessment.
Phase 2 — Receivables
- Create receivables, attach documents (NFe, etc.), submit, approve, and generate/charge (charges), including manual payment where applicable.
Phase 3 — Deals (Operations)
- Quote the operation (uses the pricing template), assemble the deal, register the investor commitment, approve (passes through the policies), and disburse.
Phase 4 — Tokenization
- Deploy contracts and mint tokens — automatically or manually — and anchor proofs (anchoring). Everything on the Credit Tokenization screen.
Phase 5 — Charge and Settlement
- Charges, settlements with the waterfall cascade, payment to investors, delay control (DPD), and the ledger.
Phase 6 — Post-operation
- Disputes, buyback, receivable substitution, and token burn.
Final checklist
The guide closes with a verification checklist to confirm that each phase was completed before operating in production.
Business rules / considerations
Attention
- Phase order matters. Pricing, waterfall, receivable types, and policies must exist before creating deals/receivables — otherwise the quote fails (missing template) or the operation is auto-approved without a lock (scope without an active policy).
- This is informational material. The guide executes nothing; every real action happens on the specific screens. Sensitive configurations on those screens may require
creditConfigManageand step-up (password + MFA). - Phases 4–6 involve money and blockchain. Deploy/mint/burn are irreversible on-chain; settlements move the Escrow Pool. Treat them as final.