{
  "$id": "https://startups.as/lendingstack.co",
  "$type": "Name",
  "source": {
    "kind": "api.sb",
    "ns": "startups.as",
    "at": "2026-10-26T10:52:35.464Z",
    "note": ""
  },
  "name": {
    "$id": "https://api.sb/startups.as/names/lendingstack.co",
    "version": 1464,
    "domain": "lendingstack.co",
    "label": "Lendingstack.co",
    "tier": "namespace",
    "coreNoun": "Loan file",
    "buyer": "Lenders assembling a stack",
    "set": "S20 [artifact].co work-noun namespace",
    "abstraction": "V-credit",
    "role": "projection",
    "status": "namespace seed",
    "registrar": "dynadot",
    "stage": "next400",
    "provenance": {
      "tier": {
        "basis": "Inferred",
        "source": "portfolio-lens-a.tsv (tier)",
        "confidence": "med",
        "by": "agent:startups-as-seed",
        "at": "2026-10-25"
      },
      "role": {
        "basis": "Inferred",
        "source": "portfolio-lens-b.tsv (role)",
        "confidence": "high",
        "by": "agent:startups-as-seed",
        "at": "2026-10-25"
      },
      "status": {
        "basis": "Inferred",
        "source": "lens A tier namespace",
        "confidence": "med",
        "by": "agent:startups-as-seed",
        "at": "2026-10-25"
      },
      "abstraction": {
        "basis": "Inferred",
        "source": "portfolio-lens-b.tsv (abstraction)",
        "confidence": "high",
        "by": "agent:startups-as-seed",
        "at": "2026-10-25"
      },
      "set": {
        "basis": "Inferred",
        "source": "portfolio-lens-a.tsv (set_or_journey)",
        "confidence": "med",
        "by": "agent:startups-as-seed",
        "at": "2026-10-25"
      },
      "buyer": {
        "basis": "Inferred",
        "source": "portfolio-lens-b.tsv (icp_or_position)",
        "confidence": "high",
        "by": "agent:startups-as-seed",
        "at": "2026-10-25"
      },
      "coreNoun": {
        "basis": "Inferred",
        "source": "seed rule: the unit noun of lens B abstraction V-credit (portfolio-lens-b.md §1)",
        "confidence": "low",
        "by": "agent:startups-as-seed",
        "at": "2026-10-25"
      },
      "display": {
        "basis": "Inferred",
        "source": "seed rule from the casing rules in docs/plans/2026-10-24-portfolio-stack-visualization.md; compound labels are open",
        "confidence": "low",
        "by": "agent:startups-as-seed",
        "at": "2026-10-25"
      },
      "registrar": {
        "basis": "Inferred",
        "source": "holdings ledger (domains repo, read-only)",
        "confidence": "high",
        "by": "agent:startups-as-seed",
        "at": "2026-10-25"
      }
    },
    "tensions": [
      {
        "field": "tier",
        "a": "namespace",
        "b": "projection",
        "scale": "namespace vs brand",
        "note": "lens A reads namespace (namespace); lens B reads projection (brand)"
      }
    ]
  },
  "stack": {
    "kind": "generated",
    "title": "Generated around Lendingstack.co",
    "levels": [
      {
        "label": "centre",
        "nodes": [
          {
            "domain": "lendingstack.co",
            "side": "spine",
            "door": false
          }
        ],
        "more": 0
      },
      {
        "label": "brands",
        "nodes": [
          {
            "domain": "api.sb",
            "side": "left",
            "door": false
          },
          {
            "domain": "softwarebuilder.dev",
            "side": "right",
            "door": false
          }
        ],
        "more": 0
      },
      {
        "label": "brands",
        "nodes": [
          {
            "domain": "startupbuilder.dev",
            "side": "spine",
            "door": false
          }
        ],
        "more": 0
      },
      {
        "label": "the factory",
        "nodes": [
          {
            "domain": "startups.management",
            "side": "door",
            "door": true
          },
          {
            "domain": "startups.studio",
            "side": "spine",
            "door": false
          }
        ],
        "more": 0
      },
      {
        "label": "the foundation · Do.Industries",
        "nodes": [
          {
            "domain": "saas.studio",
            "side": "door",
            "door": true
          },
          {
            "domain": "saas.dev",
            "side": "left",
            "door": false
          },
          {
            "domain": "monthend.finance",
            "side": "left",
            "door": false
          },
          {
            "domain": "objects.do",
            "side": "spine",
            "door": false
          },
          {
            "domain": "services.do",
            "side": "right",
            "door": false
          },
          {
            "domain": "workers.do",
            "side": "right",
            "door": false
          }
        ],
        "more": 0
      },
      {
        "label": "the abstractions",
        "nodes": [
          {
            "domain": "headless.ly",
            "side": "left",
            "door": false
          },
          {
            "domain": "gigs.accountants",
            "side": "right",
            "door": false
          }
        ],
        "more": 0
      }
    ],
    "edges": [
      {
        "a": "lendingstack.co",
        "b": "api.sb",
        "kind": "line",
        "backed": true,
        "verb": "runs-on",
        "basis": "Inferred"
      },
      {
        "a": "lendingstack.co",
        "b": "softwarebuilder.dev",
        "kind": "line",
        "backed": true,
        "verb": "runs-on",
        "basis": "Inferred"
      },
      {
        "a": "api.sb",
        "b": "startupbuilder.dev",
        "kind": "line",
        "backed": true,
        "verb": "runs-on",
        "basis": "Inferred"
      },
      {
        "a": "startupbuilder.dev",
        "b": "startups.studio",
        "kind": "line",
        "backed": true,
        "verb": "made-by",
        "basis": "Inferred"
      },
      {
        "a": "startups.studio",
        "b": "saas.dev",
        "kind": "line",
        "backed": true,
        "verb": "runs-on",
        "basis": "Inferred"
      },
      {
        "a": "startups.studio",
        "b": "monthend.finance",
        "kind": "line",
        "backed": true,
        "verb": "runs-on",
        "basis": "Inferred"
      },
      {
        "a": "startups.studio",
        "b": "objects.do",
        "kind": "line",
        "backed": true,
        "verb": "runs-on",
        "basis": "Inferred"
      },
      {
        "a": "startups.studio",
        "b": "services.do",
        "kind": "line",
        "backed": true,
        "verb": "runs-on",
        "basis": "Inferred"
      },
      {
        "a": "startups.studio",
        "b": "workers.do",
        "kind": "line",
        "backed": true,
        "verb": "runs-on",
        "basis": "Inferred"
      },
      {
        "a": "saas.dev",
        "b": "headless.ly",
        "kind": "line",
        "backed": true,
        "verb": "runs-on",
        "basis": "Inferred"
      },
      {
        "a": "monthend.finance",
        "b": "headless.ly",
        "kind": "line",
        "backed": true,
        "verb": "runs-on",
        "basis": "Inferred"
      },
      {
        "a": "monthend.finance",
        "b": "gigs.accountants",
        "kind": "line",
        "backed": true,
        "verb": "runs-on",
        "basis": "Inferred"
      },
      {
        "a": "startups.management",
        "b": "startups.studio",
        "kind": "door",
        "backed": true,
        "verb": "door-of"
      },
      {
        "a": "saas.studio",
        "b": "saas.dev",
        "kind": "door",
        "backed": true,
        "verb": "door-of"
      }
    ],
    "text": "                                                                          Lendingstack.co                                                     centre\n                                                                  ╱                             ╲\n                                                API.SB                                               SoftwareBuilder.Dev                      brands\n                                                                  ╲\n                                                                        StartupBuilder.Dev                                                    brands\n                                                                                 │\n                                          Startups.Management ─────────── Startups.Studio                                                     the factory\n                                                           ╱              ╱      │      ╲              ╲\n   SaaS.Studio ───────────────── SaaS.Dev                 MonthEnd.Finance  Objects.do    Services.do                  Workers.do             the foundation · Do.Industries\n                                            ╲              ╱                            ╲\n                                              Headless.ly                                             Gigs.Accountants                        the abstractions"
  },
  "relationships": [
    {
      "$id": "https://api.sb/startups.as/relationships/runsOn--lendingstack.co--api.sb",
      "version": 4499,
      "from": "lendingstack.co",
      "to": "api.sb",
      "verb": "runs-on",
      "why": "api.sb/lendingstack.co answers (status Designed, fetched 2026-10-24)",
      "sources": [
        "docs/plans/research/2026-10-24-builder-brands/logo-graph.tsv"
      ],
      "confidence": "high",
      "basis": "Inferred",
      "truth": "runs today",
      "predicate": "logo row: \"Powering\" / \"Built on\" (customer runs on supplier)",
      "retracted": false,
      "by": "agent:startups-as-seed",
      "at": "2026-10-25"
    },
    {
      "$id": "https://api.sb/startups.as/relationships/listedBy--lendingstack.co--apps.ax",
      "version": 2969,
      "from": "lendingstack.co",
      "to": "apps.ax",
      "verb": "listed-by",
      "why": "[row] buildable: mounted on fits ui/b2b/regulated",
      "sources": [
        "docs/plans/research/2026-10-24-builder-brands/logo-graph.tsv"
      ],
      "confidence": "low",
      "basis": "Inferred",
      "truth": "buildable",
      "predicate": "logo row on a catalog venue (listed by)",
      "retracted": false,
      "by": "agent:startups-as-seed",
      "at": "2026-10-25"
    },
    {
      "$id": "https://api.sb/startups.as/relationships/runsOn--lendingstack.co--apis.finance",
      "version": 3927,
      "from": "lendingstack.co",
      "to": "apis.finance",
      "verb": "runs-on",
      "why": "sb def lendingstack.co: built on apis.finance [high] — '\"Reserved name · apis finance family\"; the family key and register.'",
      "sources": [
        "docs/plans/research/2026-10-24-builder-brands/logo-graph.tsv"
      ],
      "confidence": "medium",
      "basis": "Inferred",
      "truth": "specified",
      "predicate": "logo row: \"Powering\" / \"Built on\" (customer runs on supplier)",
      "retracted": false,
      "by": "agent:startups-as-seed",
      "at": "2026-10-25"
    },
    {
      "$id": "https://api.sb/startups.as/relationships/runsOn--lendingstack.co--saas.dev",
      "version": 2918,
      "from": "lendingstack.co",
      "to": "saas.dev",
      "verb": "runs-on",
      "why": "[row] buildable: built on fits ui/b2b/regulated",
      "sources": [
        "docs/plans/research/2026-10-24-builder-brands/logo-graph.tsv"
      ],
      "confidence": "low",
      "basis": "Inferred",
      "truth": "buildable",
      "predicate": "logo row: \"Powering\" / \"Built on\" (customer runs on supplier)",
      "retracted": false,
      "by": "agent:startups-as-seed",
      "at": "2026-10-25"
    },
    {
      "$id": "https://api.sb/startups.as/relationships/runsOn--lendingstack.co--cod.ng",
      "version": 3076,
      "from": "lendingstack.co",
      "to": "cod.ng",
      "verb": "runs-on",
      "why": "[row] buildable: shipped with fits ui/b2b/regulated",
      "sources": [
        "docs/plans/research/2026-10-24-builder-brands/logo-graph.tsv"
      ],
      "confidence": "low",
      "basis": "Inferred",
      "truth": "buildable",
      "predicate": "logo row: \"Powering\" / \"Built on\" (customer runs on supplier)",
      "retracted": false,
      "by": "agent:startups-as-seed",
      "at": "2026-10-25"
    },
    {
      "$id": "https://api.sb/startups.as/relationships/runsOn--lendingstack.co--softwarebuilder.dev",
      "version": 3354,
      "from": "lendingstack.co",
      "to": "softwarebuilder.dev",
      "verb": "runs-on",
      "why": "[row] buildable: software offer built with fits ui/b2b/regulated",
      "sources": [
        "docs/plans/research/2026-10-24-builder-brands/logo-graph.tsv"
      ],
      "confidence": "low",
      "basis": "Inferred",
      "truth": "buildable",
      "predicate": "logo row: \"Powering\" / \"Built on\" (customer runs on supplier)",
      "retracted": false,
      "by": "agent:startups-as-seed",
      "at": "2026-10-25"
    },
    {
      "$id": "https://api.sb/startups.as/relationships/runsOn--lendingstack.co--startupbuilder.dev",
      "version": 4500,
      "from": "lendingstack.co",
      "to": "startupbuilder.dev",
      "verb": "runs-on",
      "why": "sb/poc/startup-as-noun/defs/lendingstack.co/startup.data.mdx",
      "sources": [
        "docs/plans/research/2026-10-24-builder-brands/logo-graph.tsv"
      ],
      "confidence": "medium",
      "basis": "Inferred",
      "truth": "specified",
      "predicate": "logo row: \"Powering\" / \"Built on\" (customer runs on supplier)",
      "retracted": false,
      "by": "agent:startups-as-seed",
      "at": "2026-10-25"
    }
  ],
  "neighbours": {
    "sameAbstraction": [
      "apis.finance",
      "apis.credit",
      "apis.loans",
      "apis.mortgage",
      "closers.mortgage",
      "gigs.credit",
      "gigs.financial",
      "gigs.loans",
      "gigs.mortgage",
      "insider.loans",
      "processors.mortgage",
      "ach.do",
      "banking.do",
      "chargebacks.do",
      "finance.org.ai",
      "payments.org.ai",
      "payouts.do",
      "pricing.do",
      "treasury.do",
      "apis.cards",
      "apis.creditcard",
      "chargebacks.click",
      "chargebacks.services",
      "clears.money",
      "disburse.click",
      "disputes.click",
      "get-pre-approved.com",
      "gigs.finance",
      "heloc.click",
      "payoffs.click",
      "payouts.click",
      "preapproval.click",
      "preauth.click",
      "rdcredit.click",
      "remittances.click",
      "settli.ng",
      "splits.click",
      "turboloans.co"
    ],
    "listedBy": [
      "apps.ax"
    ],
    "logoRowsIn": [
      {
        "row": "api.sb",
        "truth": "runs today"
      },
      {
        "row": "apis.finance",
        "truth": "specified"
      },
      {
        "row": "saas.dev",
        "truth": "buildable"
      },
      {
        "row": "cod.ng",
        "truth": "buildable"
      },
      {
        "row": "softwarebuilder.dev",
        "truth": "buildable"
      },
      {
        "row": "startupbuilder.dev",
        "truth": "specified"
      }
    ],
    "logoRow": [],
    "slices": []
  },
  "card": {
    "$context": "https://api.sb/?array",
    "$id": "https://api.sb/lendingstack.co?array",
    "$type": "Startup",
    "id": "startup_lendingstackco",
    "name": "lendingstack.co",
    "pitch": "A lending operation described as what it is: a stack, composable by layer - each layer on the apis.finance family's typed routes, so the lender's staff and its agents work the same records.",
    "icp": "Lenders who want their origination operation as layers they compose, not one monolith",
    "status": "Designed",
    "ventures": [
      {
        "$id": "https://api.sb/startups?venture=agent-finance&array",
        "name": "Agent finance"
      }
    ],
    "families": [
      {
        "$id": "https://api.sb/startups?family=co&array",
        "name": "co (suffix .co)"
      }
    ],
    "abstractions": [
      "App",
      "Agent"
    ],
    "motions": [
      "b2b"
    ],
    "coordinates": {
      "icp": "Lenders who want their origination operation as layers they compose, not one monolith",
      "industries": {
        "522": "https://api.sb/Industries/522?array"
      },
      "occupations": {
        "Loan Officers · serves": "https://api.sb/Occupations/Business_and_Financial_Operations/Financial_Specialists/Credit_Counselors/Loan_Officers?array",
        "Loan Interviewers and Clerks · serves": "https://api.sb/Occupations/Office_and_Administrative_Support/Information_and_Record_Clerks/Loan_Interviewers_and_Clerks?array"
      },
      "offers": {
        "lendingstack.co for lenders: agent-run origination ops on your LOS · b2b · $150 per closed loan · services-as-software": "https://api.sb/by-motion/b2b?array",
        "SDK-to-API bridge that keeps existing Encompass plugins running · b2b · $2500/month · metered API": "https://api.sb/by-motion/b2b?array"
      },
      "products": {
        "The lending stack - the lender's origination system as composable layers (pipeline, conditions, disclosures, closing, funding) · App, Agent": "https://api.sb/by-abstraction/software?array"
      },
      "oneLiner": "Agents that clear conditions, prepare disclosures and prep closings inside the lender's existing LOS: origination work delivered, no integration project.",
      "category": "Mortgage loan origination operations (services-as-software)",
      "beats": {
        "ICE Encompass: The monolithic LOS about half the market runs on; extending it means SDK plugins and integrations, and its SDK sunsets 2026-12-31.": "https://api.sb/by-alternative/incumbent?array",
        "MeridianLink Mortgage: Cloud LOS with open APIs for banks, credit unions and IMBs; switching to it is still a whole-LOS re-platform.": "https://api.sb/by-alternative/incumbent?array",
        "LoanPro: API-first lending platform for origination, servicing and payments, aimed at consumer credit rather than mortgage origination.": "https://api.sb/by-alternative/incumbent?array",
        "Keep extending Encompass with SDK plugins and third-party vendor integrations: Every change needs its own costly integration project, and origination technology costs keep rising.": "https://api.sb/by-alternative/nothing?array"
      },
      "unplaced": {
        "industries": "not placed yet: ideate.icp places it from the Startup’s sources",
        "occupations": "not placed yet: ideate.icp places it from the Startup’s sources",
        "processes": "not placed yet: ideate.icp places it from the Startup’s sources",
        "supplies": "not yet: build.product names the Verbs it serves",
        "drawsOn": "not yet: build.product names what it draws on",
        "beats": "not yet: the choice (ideate.hypothesis) names each rival by its URL"
      }
    },
    "platform": false,
    "domains": [
      {
        "$id": "https://api.sb/domains/lendingstack.co?array",
        "name": "lendingstack.co"
      }
    ],
    "usesPlatform": "https://api.sb/?array"
  },
  "links": {
    "page": "https://startups.as/lendingstack.co",
    "apiSb": "https://api.sb/startups.as/names/lendingstack.co",
    "startupCard": "https://api.sb/lendingstack.co"
  }
}