Petra Loan Servicing — How the System Works

flowchart LR
  A["Claude Code<br/>tool call"] --> B{"context or<br/>action?"}
  B -->|context| MCP["Developer MCP<br/>(docs / validation)"]
  B -->|action| CURL["curl → Metadata API"]
  CURL --> AUTH["Bearer token<br/>(not branch-scoped)"]
  AUTH --> WS["Xano workspace 2"]
  WS --> LOGIC["Logic layer<br/>(per branch)"]
  WS --> DB["Database<br/>(shared, all branches)"]
  classDef danger fill:#fff5f5,stroke:#c92a2a,color:#c92a2a;
  class DB danger;
      

flowchart LR
  A["Onboard<br/>submission"] --> B["Approve →<br/>lender + entity"]
  B --> C["Create loan<br/>+ loan_terms"]
  C --> D["Funding<br/>(lenders / entities)"]
  D --> E["Interest accrual<br/>(daily)"]
  E --> F["Borrower<br/>payment"]
  F --> G["Apply to<br/>ledger"]
  G --> H["Disburse<br/>to lender"]
  H --> I["Payoff"]
      

flowchart TD
  BR["Borrower"] -->|"payment_request_public"| PR["payment<br/>status: scheduled"]
  PR -->|"daily task 10:00"| PEND["pending"]
  PEND -->|"+5 business days"| APPR["approved"]
  APPR --> APPLY["apply_received_payment<br/>split interest / principal / fees"]
  APPLY --> LT["loan_transaction<br/>(ledger)"]
  LT --> REC["trust_transaction_rec"]
  REC --> TT["trust_transaction"]
  APPR --> ACH["create_ach_file<br/>(NACHA)"]
  ACH --> BANK["Bank / ACH rail"]
  classDef money fill:#ebfbee,stroke:#2b8a3e,color:#2b8a3e;
  class LT,TT,ACH money;
      

flowchart LR
  subgraph L["Loan ledger"]
    LT["loan_transaction<br/>debit / credit"]
  end
  subgraph T["Trust (bank) ledger"]
    TT["trust_transaction<br/>debit / credit"]
    TS["trust_transaction_split"]
  end
  LT <-->|"trust_transaction_rec"| TT
  TT --- TS
  TA["trust_account<br/>entry vs reconciled balance"] --- TT
      

flowchart TD
  DEV["Dev branch<br/>(v1.1.4)"]
  LIVE["Live branch<br/>(v1.1.1)"]
  subgraph BRANCHED["Branched — isolated"]
    EP["API endpoints"]
    FN["Functions"]
    TK["Tasks / Addons"]
  end
  subgraph SHARED["Shared store — hits LIVE"]
    SCH["Table schema"]
    DAT["Records / data"]
  end
  DEV -->|"safe to iterate"| BRANCHED
  DEV -.->|"NOT isolated"| SHARED
  LIVE --> BRANCHED
  LIVE --> SHARED
  classDef danger fill:#fff5f5,stroke:#c92a2a,color:#c92a2a;
  class SHARED,SCH,DAT danger;
  classDef safe fill:#ebfbee,stroke:#2b8a3e,color:#2b8a3e;
  class BRANCHED,EP,FN,TK safe;
      

erDiagram
  lender ||--o{ loan : services
  lender ||--o{ entity : owns
  borrower ||--o{ loan : owes
  loan ||--|{ loan_terms : "versioned"
  loan ||--o{ loan_funding : "funded by"
  loan ||--o{ payment : receives
  loan ||--o{ disbursement : "pays out"
  loan ||--o{ loan_security : "secured by"
  loan ||--o{ loan_escrow : impounds
  loan_funding ||--o{ loan_transaction : posts
  trust_account ||--o{ trust_transaction : records
  loan_transaction }o--o{ trust_transaction : reconciled