Guides and tools for lending teams
The vocabulary, evaluation tools, and long-form thinking behind Lokta — written for lenders, risk teams, and procurement weighing an agent-native lending platform.
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The agent-native lending stack
How Lokta is built — agents on top, a governing control plane that authorises, scopes, logs, and verifies every action, and a deterministic core underneath. The category, defined.
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What we believe, and where this goes
Lokta's vision, mission, thesis, and 2030 ambition — credit that reaches more people, faster, fairer, and worth trusting, on a loan book that learns and sharpens as it lends.
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Where loans are won
A scroll-driven argument that the credit decision is the small loop — the return is earned in the long loop after approval, across servicing, monitoring, and collections.
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Lending glossary
Definitions of the lending-industry and Lokta-specific terms used across our product pages and editorial — LMS, LOS, LSP, co-lending, deterministic core, audit-by-design, and more.
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RBI model risk draft self-benchmark
A 10-question self-benchmark for RBI model-risk readiness — line-mapped to the June 2026 draft guidance, with a 0–100 score, neutral maturity bands, per-dimension findings, and priority actions.
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RBI MRM self-benchmark — methodology & source map
The methodology behind the self-benchmark: the scoring rubric, four readiness dimensions, five maturity bands, and the full question-to-paragraph map to RBI’s June 2026 draft model-risk guidance.
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LOS vs LMS vs LSP
A plain-language guide to the three acronyms lenders mix up — an LOS originates loans, an LMS services them, and an LSP is a partner that operates lending.
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LMS RFP toolkit
A vendor-neutral toolkit for running a Loan Management System RFP — checklist, question banks, functional and security templates, a scorecard, and a migration methodology.
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Updates and insights
Long-form essays on lending architecture, AI governance, and the agent-native lending stack, plus product updates from the team building Lokta.
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