State list#
| State | Effect in the mock |
|---|---|
| Normal | New private obligations can proceed if other checks pass. |
| Watch | Attention is required; new obligations may still be available. |
| Restricted Lending | New private obligations are paused. |
| Suspended Private Credit | Repeated reviewed defaults require review. |
| Manual Review | New obligations wait for data or a review decision. |
| Removed from Private Credit | Recorded manual removal from private credit. |
Keep payments separate#
These states do not automatically remove ordinary sends or existing repayment routes. A user can request review and inspect the stated reason.
No permanent automatic ban#
One late repayment does not permanently remove a person. The current rules are local demonstrations and require policy, legal and operational validation before live deployment.