LiveRetail asset evidence intelligence · Built for ARCs

Verify the asset behind the tape.

Darwix turns a seller data room into an evidence-backed case. It matches accounts to documents, reconciles the tape and shows what agrees, what changed and what needs an expert before you bid.

Built for pool scale, not one file at a time
Time-aware: tape cut-off vs later events
Every finding traced to page, row or transaction
The ARC decides value and price
Retail HL pool · Data room5,000 accounts · cut-off 31 Aug · illustrative
40% reconciled
Evidence-aligned3,120
Financial reconciliation required612
Security review required288
Valuation review required214
Legal review required356
Seller clarification required241
Seller Tape ReconciliationDocument-to-Account MatchingBalance & Recovery ValidationProperty & Security VerificationValuation FreshnessLegal TimelineMissing-Evidence DetectionSeller ClarificationPool Triage

The seller tape is a starting point, not the answer.

Retail pools hold thousands of accounts, sold as is, against a cut-off, in a few weeks. What the tape misses becomes your risk, and account-by-account review doesn't scale.

Too many accounts

Manual diligence can't cover a retail pool, so coverage is partial.

Too little time

The bid window is short and the data room is messy.

Too little proof

Findings live in spreadsheets and emails, not tied to source evidence.

From data room to acquisition case.

Eight steps from raw files to a review-ready case.

See the tape meet its documents.

Account HL-241872, cut-off 31 Aug. Select a field. Synthetic data.

Seller tape claimHL-241872
Settlement on tape: none
Darwix finding · Outstanding principalStale / Newer

Evidence-supported value ₹24.10L

What the evidence showsSOA (15 Sep): ₹24.10L. Ledger: ₹70,000 recovery on 28 Aug

Explained by a recovery, not a ₹70,000 error.

Finding 1 of 6

Focus where the risk is.

Darwix segments the pool by evidence, so specialists focus where judgment is needed.

Drill-down · illustrative
→1Pool finding: ₹8.2 crore exposure on stale valuations
→2214 accounts
→3HL-241872
→4Tape ₹72L vs latest ₹61L
→5Report page 17 → review status
Pool view showsSeller-reported vs evidence-supported outstanding · accounts fully reconciled · accounts with material conflict, missing critical documents, stale valuations, security gaps, ownership differences, newer recoveries or legal-stage changes · open seller queries · accounts ready for review · exposure affected by each finding category

Offered, supported, adopted. Kept separately.

The seller's figure is never lost, even when the evidence differs.

01Kept on record
Seller value₹24.80LWhat the tape or dataset represented
02SOA + ledger
Evidence-supported value₹24.10LWhat the latest relevant documents and transactions currently support
03✓ Adopted
ARC-adopted value₹24.10LWhat your authorised reviewer accepts for the diligence case, with reason and evidence

Outstanding principal. Reason: later recovery supported by ledger and SOA. The seller's ₹24.80L stays on record.

The cut-off date changes what a difference means.

Explain a difference before you value it. Stale is not the same as wrong.

AgreesSources support the same factSanction amount matches the letter and agreement
ContextualRelated but different conceptsPrincipal vs total dues including interest and charges
ConflictIncompatible values, same fact and timeTape says borrower-owned, title says borrower + spouse
Stale / NewerA later source supersedes the tape valueAugust balance vs September SOA
Subsequent EventThe account moved after the cut-offEnforcement progressed after the tape snapshot
EnrichedEvidence adds a fact the tape lacksDocuments reveal an extra co-owner
Missing / QualityEvidence absent, incomplete or unreadableValuation "available" on tape, not in room

Every way an asset can differ from its tape.

Eight lenses applied to every account in the pool.

01Balance & recoveryRebuild what's owed from SOA, ledger and receipts.“₹50,000 recovery on 8 Sep not in tape.”
02DPD & NPA chronologyCheck delinquency dates against repayment history. Surfaces the evidence. Doesn't make a regulatory classification.“NPA date needs review against servicing evidence.”
03Sanction & loan termsVerify sanction, tenure, rate, EMI and co-borrowers against agreement and disbursement.“Sanctioned amount differs from tape.”
04Property & ownershipOne view of address, owner, co-owner, usage and possession.“Property in security schedule differs from tape address.”
05Security & document completenessCheck the checklist you define.“Mortgage deed missing though tape says complete.”
06Valuation & freshnessKnow which value is current and how old it is.“Numbers match, but the report is three years old.”
07Legal & enforcement timelineSequence notices, filings and events.“Possession-related action after cut-off.”
08Settlement/OTS & collectionsBring settlements and recovery notes into the view.“OTS accepted after cut-off, not on tape.”
Boundary: Darwix surfaces and sequences legal and security evidence. Your legal team decides sufficiency, validity and enforceability.

Available isn't the same as usable.

Each document is checked for presence, quality, version and date.

a · Missing evidenceAgainst your checklist per asset type, each account shows each document as:
AvailableMissingPartialUnreadableWrong accountDuplicateOld versionMissing page
Tape: “Security documents complete.” Data room: mortgage deed absent→ Critical Security Document Missing → seller query
b · Quality and versionsBlurred scans, cut-off pages, missing annexures, partial ledger periods, documents belonging to another account, no source date, duplicates and superseded versions are flagged so an old copy never silently becomes the source of truth.
FreshnessEvery critical source carries its date. A valuation that matches the tape can still be stale, and freshness thresholds are yours to set.

Review what matters most, first.

Materiality considers: financial difference and percentage · exposure · property-value impact · security and legal relevance · document criticality · your policy thresholds.

BELOW THRESHOLD₹1,000 dues variance
HIGH PRIORITYMissing co-owner on the security, at any amount
Confidence, explainedNot one opaque score. It reflects extraction quality, source agreement, document quality, freshness and rule certainty.
Title and loan agreement agree on ownerHigh
Only an old, low-quality valuationLow · refresh
Every finding shows its proof
Seller field and valueSource document, version, page, table, row or ledger entryDateExtracted and normalised valueConfidenceReviewer actionAdopted-value history

Ask the seller exactly what the evidence needs.

Findings become precise seller queries. Responses re-run only the affected checks, with full history.

What you can see: Open queries · awaiting seller · average response time · critical queries overdue · accounts and exposure blocked by unanswered queries.

Seller query · HL-008174High
AccountHL-008174
FindingProperty Ownership Conflict
Tape saysBorrower only
Evidence showsBorrower + spouse (title, page 3)
RequestConfirm the security ownership representation and provide the latest title / security documentation
Priority · DueHigh · configured date

Differences, turned into numbers your committee can use.

Evidence impact, quantified across the pool.

ΣSeller vs evidence-supported outstanding
ΣAggregate post-cut-off recoveries
ΣExposure with missing security documents
ΣExposure on stale valuations
ΣAggregate property-value delta
ΣAccounts with changed legal stage
ΣAccounts with settlements not on the tape
ΣAccounts blocked by missing evidence
Boundary: Darwix quantifies the evidence impact. The ARC decides pricing, haircuts, expected recovery, bid value and the acquisition.

From data room to committee pack, without the manual work.

Account status, adopted values and the pool summary, in one pack.

Every account carries one review status.
Evidence CompleteComplete with FindingsClarification RequiredBlocked: Critical Document MissingBlocked: Material ConflictReady for ARC ReviewReviewed with Exception
Reviewer resolution options
Accept seller valueAccept evidence-supported valueAdopt another supported valueMark timing differenceAccept with exceptionRequest evidenceRoute to legal, valuation or financial diligenceDefer

Set to your diligence standards.

Your checklists, thresholds and rules drive every finding.

Asset type and productSeller field mappingMandatory documentsSource hierarchyFinancial toleranceValuation-age and materiality thresholdsFinding taxonomy and severitySeller-query templatesReviewer and adopted-value permissionsReview-ready rulesPool segmentation
RULESDeterministic logic for balances, dates and thresholds. A ₹50,000 recovery after cut-off explains a lower balance, with no guessing.
AIDocument understanding, entity matching and messy tape schemas. Both are recorded in the evidence trail.

Your committee decides.

Darwix prepares the evidence. Pricing and the bid stay with you.

Darwix does
Ingests and matches the data room
Classifies and extracts documents
Reconciles values and detects missing or stale evidence
Calculates deterministic deltas
Identifies subsequent events
Generates findings and seller queries
Reprocesses seller responses
Builds pool summaries and packs
The ARC controls
Legal sufficiency and enforceability
Valuation acceptance
Recovery assumptions
Haircuts, pricing and bid value
Policy exceptions
Account inclusion or exclusion
Acquisition and committee decisions

Seller-quality analytics (most frequent tape differences, missing documents, stale valuations, query turnaround) are evidence-quality visibility. They are not an automated rating of the seller.

Works with your data rooms, under strict controls.

Built for confidential diligence and full auditability.

Ingests fromVirtual data rooms · SFTP · DMS · loan, collection, recovery and legal systems · valuation platforms · data warehouse · authorised external sources
ReturnsStructured evidence · account matches · document status · findings · evidence-supported and adopted values · seller queries · review status · pool summary · acquisition pack
Data-room confidentialityProcess only data authorised for diligence, with deployment in your own environment.
Role-based accessBorrower, property, legal and reviewer data by role.
Sensitive-data protectionPII and financial data masked and protected in transit and at rest.
Source integrityFile identity, version and lineage preserved.
Full audit trailSeller tape version, source files, extraction and rule versions, findings, seller queries and responses, reviewer actions, adopted values.
Reproducible after the dealMonths later, reconstruct why a value was adopted.
Residency and retentionOn-prem, VPC or cloud per your policy.
SOC 2 Type IIISO 27001Compliance →
After the bid: the structured case carries into onboarding, recovery strategy, legal follow-up, valuation refresh and audit.

More accounts covered. Diligence you can defend.

Deeper diligence within the same bid window, built on evidence rather than extraction.

Business impactWhat changes for your team
Cover the pool, not a sampleStructured diligence across far more accounts
Use the bid window for judgmentNot manual tape reconciliation
Catch what changed after cut-offRecoveries, settlements, legal events
See document gaps earlyKnow which accounts lack critical evidence
Connect property, ownership and securityOne evidenced view
Cut seller query cyclesPrecise, evidence-backed questions
Focus specialistsLegal, valuation and financial experts on real exceptions
Defend the bidEvery adopted value traceable to source
Why DarwixBeyond extraction
Retail-scaleThousands of accounts, one evidence model
Tape-awareMaps any seller schema, keeps the original
Cross-sourceLoan, repayment, property, security, valuation, legal
Time-awareCut-off, newer sources, later events
Discrepancy-awareSeven classes, not one red flag
Evidence-linkedPage, row or transaction
Clarification- and resolution-awareSeller queries in the trail
Pool-aware and ARC-controlledAccount proof, pool impact, your decision
Operational visibilityAccounts and documents processedEvidence completenessFinancial reconciliation rateFindings by seller, product and geographyQuery ageingReview turnaround
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