Loan Stipulations - Collected, Encrypted, and Tracked
Replace email attachments and in-person document drops with one-time encrypted secure links — so stips get collected faster, with a full audit trail, inside the workflow your team already runs.
Loan stipulations are the last friction point before a deal funds. The application is approved. The terms are set. And then someone needs a pay stub, a proof of insurance, a copy of a utility bill — and the whole deal waits. The typical process: an email with instructions, a borrower who doesn't read it, a document attached to a reply that doesn't meet compliance standards, and two more follow-up calls. For a process that could take 10 minutes, it regularly takes days.
The Crypton Stipulations Module replaces this entirely. Generate a one-time encrypted secure link from inside your existing system. Send it to the borrower. They upload the required documents — from their phone, from home, at any hour. The link expires. The documents arrive in your system with a timestamped audit trail. No email attachment security exposure. No lost documents. No compliance gaps. No more deal delays waiting on a pay stub.
Embedded inside platforms including:
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Stip Delays Are Killing Your Deal Cycle. Email Is the Problem.
Loan stipulations — proof of income, insurance verification, utility bills, employment letters — are required. They're also the #1 reason loan cycles stretch from days into weeks. Not because borrowers don't have the documents. Because the collection process is broken.
Email instructions get lost in a cluttered inbox. Borrowers photograph a document on their kitchen counter and attach it to a reply — wrong file format, wrong orientation, wrong document entirely. Your team sends it back. The borrower tries again. Somewhere in this thread is a pay stub that may or may not meet compliance requirements, with no timestamp, no chain of custody, and no way to confirm what was received when. The Crypton Stipulations Module replaces this with a purpose-built secure link — generated from inside your LOS or DMS, sent to the borrower, and returned to your system with a full audit trail.
How the Stipulations Module Works
A stip request is triggered from inside your existing system — manually by a loan officer or automatically when an application reaches a stip-required stage. The Stipulations Module generates a secure, one-time encrypted link specifying exactly which documents are required.
The secure link is delivered to the borrower via SMS, email, or both — through the Messaging Module or your existing communication channel. The borrower receives a clear, mobile-optimized request that tells them exactly what to upload.
The borrower opens the secure link on any device — phone, tablet, desktop. They upload the required documents. The link is single-use and expires after upload (or after a set time). No account required. No app to download.
Documents are returned to your existing system immediately. The submission is logged with a timestamp, the link expiration is recorded, and a full audit trail is created. Your team is notified. The deal moves forward.
What You Can Do with the Stipulations Module
One-Time Encrypted Secure Links
Each stip request generates a unique, single-use encrypted link that expires after use or after a set time period. No open upload endpoints. No stale links sitting in inboxes. The link does one job — then it's gone.
Multi-Document Collection
Request multiple stipulation documents in a single link — pay stub, insurance card, utility bill — in one borrower interaction.
Mobile-Optimized Upload
Borrowers upload documents from any device. Optimized for phone camera uploads — no desktop required.
Tamper-Evident Audit Trail
Every submission is timestamped and logged. Full chain of custody from request to receipt — ready for compliance review. Know who sent the link, when the document was uploaded, and exactly what was submitted.
Automatic Link Expiration
Links expire automatically after use or after a configurable time window. No stale, open upload endpoints.
Embedded in Existing Workflow
Stip requests are generated and received inside your existing LOS, DMS, or software. No separate platform.
Automated Notifications
Alert loan officers when documents are received. Notify borrowers when links are sent and when uploads are confirmed.
Stipulation Checklist Tracking
Track which stips have been collected and which are outstanding — visible inside your existing system.
Encrypted Document Transit
All documents are encrypted in transit and at rest. Meets financial industry security and compliance requirements.
Pairs with Messaging Module
Deliver stip request links via the Crypton Messaging Module — RCS, SMS, or email — for guaranteed delivery.
Pairs with eSignature Module
Collect stips, then route directly to the eSignature step — stip-to-sign without leaving the workflow.
API-First Integration
Single API. Documented, structured for clean integration into LOS, DMS, or any qualifying software platform.
Built for the Workflows You're Already Running
Get the stips. Move the deal forward.
Dealer-to-lender stipulation collection is one of the most friction-heavy steps in auto finance. Borrowers need to provide proof of income, proof of insurance, and other documents — often after leaving the lot. The Stipulations Module sends a secure link via text or email. The borrower uploads from their phone. The document arrives in your DMS with a timestamp. No printer, no scanner, no fax, no email attachment. The deal moves forward.
Use Cases
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Income and employment verification document collection
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Insurance and title document upload for auto loan origination
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Automated stip request triggering when loan reaches required stage
Collect stips faster. Close more loans.
Loan stipulations are a required step — but they don't have to be the step that kills your deal velocity. The Stipulations Module generates one-time encrypted secure links from inside your LOS, sends them to borrowers via SMS or email, and returns completed documents with a full audit trail. Loan officers see exactly what's been collected and what's outstanding — without inbox archaeology or follow-up calls. Pairs with the eSignature Module for a complete stip-to-sign workflow inside your existing system.
Use Cases
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Post-deal stipulation collection for remote borrowers
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Insurance verification upload before funding approval
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Proof of income collection for buy-here-pay-here and subprime financing
Add secure stip collection to your platform — one API.
The Stipulations Module is API-first and white-label ready. If your software serves consumer finance, auto, or lending customers, adding secure document collection as a native feature means one API integration. One-time encrypted links, automatic expiration, audit trail — all under your brand. Multi-tenant architecture supports dealer groups and lender networks. No monthly minimums.
Use Cases
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Native stip collection embedded in SaaS LOS or dealer management system
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White-label secure document upload for lender-branded borrower portals
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Stip-to-sign workflow — pair with eSignature Module API for end-to-end doc handling
Already running inside leading platforms. Ready to run inside yours.
The Stipulations Module is API-first and built for integration. If your software serves consumer finance, auto, or lending customers, adding secure stipulation collection as a native feature takes weeks — not months.
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White-label ready — deploy stip collection under your own brand
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One-time encrypted links — no open upload endpoints, no security exposure
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Full audit trail built in — every submission timestamped and logged
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Pairs with eSignature and Messaging modules for end-to-end workflow coverage
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Multi-tenant architecture — supports dealer groups, lender networks, enterprise deployments
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Documented API and dedicated integration support through go-live
