Catch it on the projection, not the missed payment.
Live runs the current position and the forward forecast simultaneously, on every customer, updating as transactions land. It shows the projected position deteriorating weeks before a payment is missed.
Live position · forward daily
LiveAccount 4412
£1,284
today · +£38 ↺
£1,982
14 Feb · projected
Across the book
Account 2203steady ✓
Account 5561steady ✓
Account 7719 · dip aheadflagged 6 wks early
re-settles as transactions land
flags fire on the projection
01
The problem it fixes
Your first warning is the missed payment.
The decline was in the feed for weeks: dated, visible, and unread.
18 weeks
of warning · in the feed, unread
02
What goes in
Already categorised, at the door.
Pouch doesn't categorise. It ingests the transactions your stack has already labelled.
03
How it works
Watch it read the future.
The forward view, built in front of you. Then ask it anything.
Closing balance · 31 Oct
£
out of date by 0 days
True the day it printed, and it says nothing about any day that follows.
04
What the visibility is worth
Protect the book. Then grow it.
Every account, as transactions land: position and forecast together.
Pouch provides visibility, never actions. Your governance stays in charge of the throttle.
05
Static, then Live
Right-size it. Then watch it.
A bureau scores the applicant and walks away.
Account 4412 · £6,000 · 24 months
origination → maturity
One loan.
06
FAQ
What risk teams ask.
- We already have balance and arrears monitoring.
- Those alerts fire when it is already happening. Live raises the flag while the dip is still a projection: the difference between restructuring early and chasing arrears.
- Could we build this in-house?
- The frequency and forecast engine is years of iteration, and it is the hard part. It runs as a layer in your environment, and everything visible stays yours.
- What about compliance on acting off signals?
- Pouch provides visibility, not actions: the instrument panel, not the throttle. What you do with the visibility sits with your existing governance, where it belongs.
- What does it need to run?
- A continuous categorised feed. In practice that means institutions that hold the accounts; open-banking lenders qualify within consent windows. Without a feed, start with Static at origination.
Replay a loan you already know the ending to.
In the pilot, the simulation can replay a historical loan month by month and show when the Live flag would have fired versus when the default actually surfaced. Judge the early warning on your own book.
The Three-Stage Pilot
Sandbox integration: your datasets through the full engine.
Live pilot: your team logged in, testing datasets and re-running scenarios.
Reporting: findings, the sample report, and a results call.