Engineering·The Kontor team·24 September 2026
Why your loan ledger needs two clocks
Payments arrive late, rates change retroactively and complaints get upheld. A ledger with one timeline has to lie about at least one of them.
[ Kontor / Blog ]
The Kontor blog
Notes on ledgers, servicing agents and consumer credit regulation, from the team building Kontor.
Product·The Kontor team·1 October 2026
Agent Operating Procedures: how we make servicing agents auditable
Plain language is how you train people. Determinism is how you trust software. An AOP is both at once.
Platform·The Kontor team·18 August 2026
Migrating a live credit book without a big bang
The riskiest night in lending technology is cutover night. The fix is to make sure there isn't one.
Regulation·The Kontor team·9 July 2026
Jurisdiction packs: one lending platform, many regulators
The lending lifecycle is universal. The rules wrapped around it are not. The architecture question is where you draw that line.
Run your credit book on Kontor.
Bring a product spec or a portfolio extract. We'll show you how the ledger, decisions and agents would run it, and what your regulator would see.