ALL WORK
Rebuilding an internal credit platform
An internal platform for booking and managing institutional crypto loans, used daily by the credit desk, trade operations, and risk. The redesign consolidated booking, settlement, and reconciliation from three tools into one.
ISSUE
One account per client, with trading and credit mixed together
The legacy system held each client's trading, lending, borrowing, and collateral in a single account. Margin was calculated at the client level, so legally separate facilities could not be isolated and cross margining setups required manual workarounds. Bookings failed silently, everyday workflows jumped between three internal tools, and settlement was tracked by hand in spreadsheets.
SOLUTION
A segregated structure of subaccounts and pools
Subaccounts act as isolated credit containers, each with its own loans, collateral, and margin. Pools group them to define shared margining and risk boundaries, so one client can hold multiple legally distinct facilities without manual workarounds. Since launch, 95% of bookings clear without manual intervention, reconciliation runs automatically, and the loan book has nearly doubled.
1
Loan book, every loan with its status and the pending approval queue
2
Pool Management, grouped by counterparty, pool, and subaccount, with current margin ratios per row
3
Pool detail, current ratio against its margin thresholds with balances and fund actions per subaccount
4
Loan booking as one form, terms inheriting from the master agreement and overridable per loan
5
Move subaccount, margin impact on both pools previewed before submission, breaches routed to risk
