PointPal™ - Undisclosed Liability Detection

Detect Potential Undisclosed Debt

PointPal’s AI automatically identifies high-risk transactions and repayment patterns, including:

• Buy Now, Pay Later: Affirm, Afterpay, Klarna, Sezzle
• Tesla: auto payments that do not report to credit bureaus
• Cash Advances: overdraft transfers, payday loans, short-term advances
• Government & Legal Obligations: IRS tax payments, child support, alimony

Verify Income at a Glance

PointPal automatically identifies and classifies all verified income sources, giving underwriters a clear view of a borrower’s true cash flow:

• Employment Payroll (direct deposits from employers)
• Social Security benefits
• Pension distributions
• Disability income
• Child Support and Guardian Ad Litem payments
• Alimony deposits

Save 20–40 Minutes Per File

PointPal eliminates manual transaction scanning, allowing underwriters to bypass hundreds of line items and jump directly to the insights that matter.

• Instant visibility into risk indicators
• Less time spent searching for obligations
• Faster clears, fewer conditions

1. Retrieve Bank Statements

PointServ gathers authenticated bank statement data directly from verified institutions.

2. AI Transaction Analysis

PointPal scans all transactions for patterns and merchant names linked to liabilities or income.

3. One-Page Underwriter Summary

Delivered as a clean, easy-to-review page with categorized findings.

Private, Isolated AI Model

Every customer receives their own dedicated AI model instance-never shared, never mixed, and never used to train any other model. Your data remains fully contained within your secured environment, with strict isolation and no external exposure.

100% Customizable

PointPal can be trained to your organization’s exact requirements. Lenders can define new alerts, custom detection rules, and institution-specific logic-ensuring the model reflects your underwriting policy, risk tolerances, and evolving credit guidelines.

No External Data Usage

PointPal processes all data inside your secured PointServ environment, and every AI detection is fully traceable to the original transaction for complete auditability.

Operational Efficiency

• Faster underwriting review times
• Cleaner prioritization of files
• Higher throughput without more staff

Risk & Compliance

• Consistent liability identification
• Better audit trails and QC documentation
• Automated detection of debt patterns

User Experience

• No training or new interface
• Installs instantly into existing workflow
• Underwriters understand it immediately