How Mast fits into your stack.
Mast is a headless, API-first origination platform. Channels, origination, parties, and analytics are all part of Mast. The decisioning and data services it orchestrates sit alongside it, and core banking and servicing systems sit below as systems of record. You keep your specialist systems; Mast gives you the control plane on top.
Sit next to, replace, or hybrid.
Keep your core, servicing and bureau providers. Mast replaces the origination layer only. Fastest route to a modern application-to-completion journey.
Retire the legacy origination platform end to end. Mast becomes the single system of engagement across brokers, customers and underwriters.
Run Mast for new lines like Later Life Lending or Specialist, while your legacy platform runs the back book. Migrate journeys one at a time.
The origination layer, above the systems of record.
Mast owns the channels that feed cases in, the origination engine that processes them, the parties and users that touch a case, and the analytics and warehouse layer that makes it auditable. The decisioning and data services it orchestrates sit alongside it, and core banking and servicing systems sit below as systems of record. Everything outside the Mast-owned layers stays yours.
What Mast owns, what stays yours.
| Layer | Role | Examples | Mast's role |
|---|---|---|---|
| Channels | Broker portals, customer portals, intermediary APIs, your own front end. | Mast's white-label Broker Portal, Customer Portal and Headless SDK. | Owned by Mast. Use out of the box, or drive your own UI via the Headless SDK. |
| Origination (Mast) | Application to completion. Journeys, policy, product, pricing, documents, decisioning orchestration, audit. | This is where Mast lives. | Owned by Mast. |
| Parties & Users | All the actors that touch a case: lender teams, brokers, clubs, networks, packagers, applicants, solicitors. | Mast user model, roles, permissions, and portal access. | Owned by Mast. One user model across all channels with role-based access. |
| Decisioning / rules | Credit strategies, scorecards, fraud rules. | Provenir, FICO, LendingMetrics ADP, Mast Policy Engine, in-house strategy engines. | Mast orchestrates calls to your decisioning at the right journey step. Policy Engine can also own rules directly. |
| Bureaus and data | Credit, affordability, income, open banking, KYC/KYB, sanctions, PEP. | Experian, Equifax, TransUnion, LexisNexis RiskNarrative, ONS, HMRC, Plaid, TrueLayer, ComplyAdvantage, Onfido. | Mast has pre-built connectors. You choose providers per journey; we handle retries, caching, and audit. |
| Valuations | AVM, desktop, physical, indexation. | Hometrack, Landmark, e.surv, VAS panel. | Mast routes to the right valuation type per policy, tracks SLAs, and stores the report against the case. |
| Identity and signing | Customer identity, e-signature, document generation. | Onfido, Yoti, DocuSign, Adobe Sign. | Mast orchestrates identity checks and signature ceremonies as native journey steps. |
| Analytics and warehouse | Reporting, MI, regulatory returns. | Mast reporting and event streaming to your data warehouse. | Owned by Mast. Operational reporting from day one, plus case and decision events streamed to your warehouse. |
| Core banking / ledger | System of record for accounts, balances, transactions. | Thought Machine, Mambu, 10x, Finastra, Sopra, in-house core. | Mast pushes booked loans and events on completion. Never duplicates the ledger. |
| Servicing | Post-completion lifecycle. Payments, arrears, redemptions, and triggers for retentions or contract variations. | Phoebus, DPR, Sopra, Target, Finastra, in-house servicing. | Mast integrates cleanly. Retentions, contract variations and product transfers can start in Mast and settle in servicing. |
No fixed sequence. One audit trail.
Mast does not impose a linear pipeline. You decide which capabilities run, when they run, and how often, per journey, product, or channel. Steps can run in parallel, repeat, loop back, or be skipped entirely, and everything Mast touches lands in the same audit trail.
Broker portal, customer portal, intermediary API, or your own UI on the Headless SDK.
Identity, credit, affordability, and property data called at whatever point your policy needs them, and re-called when the case changes.
Policy Engine and Product Engine can run continuously as the case evolves, not once at a gate.
Summaries, exception flags, and drafted notes available at any stage, not just before underwriting.
Automate, review, or refer by product, channel, or risk band, and move that line whenever you choose.
Booked loans, decisions, and documents pushed to core, servicing, and your warehouse as events, in your order.
Built for the next decade of lending.
Every capability is exposed as an API. Drive Mast from your own broker portal, customer app or internal tools using the Headless SDK.
Mast exposes case surfaces and policy APIs that agents can read and act on inside your rules, with full audit.
Your lending policy is a golden source in Mast. No more Excel and Word documents drifting apart from what production actually does.
Swap bureaus, valuers, identity providers per journey. No lock-in, no rip and replace.
ISO 27001, Cyber Essentials Plus, IP whitelisting, and granular role-based access. SSO on the roadmap.
Cloud native. Dedicated tenancy and regional deployment available for banks with sovereignty requirements.
See it against your stack.
Send us a sketch of what you run today. We will map exactly where Mast sits, what it replaces, and what stays.