Frequently asked questions

Yes. Open the public demo with fictional borrowers and loans. It is separate from the private workspace and changes reset on refresh. Use made-up details only.

Account, workspace and masked bank/cash account setup are available. Live financial posting, document uploads and settlement exports remain restricted pending verification. The financial workflows shown in these guides are currently demonstrated with fictional data.

Saved private workspace and bank/cash account records are read from the backend. Verify the saved record after reloading. Demo loan and payment changes are temporary and reset on refresh; they are not permanent live records.

Invited borrower access has a gated implementation and is not released. The lender must explicitly share selected agreements with a verified intended account. Required posting, files, transactional email and recovery checks must pass before activation.

Use the masked identifier field, for example ****1234. The current form is designed for masked final characters, not full account numbers or banking credentials.

Existing account ownership, currency and kind are fixed. Archive the incorrect account and create another with the correct entity, currency and bank/cash kind. Descriptive details can be edited by the owner.

No. An external reference is optional because cash and some international payments do not have a UTR. Use a UTR, UPI reference, cheque number or other bank reference when available. The internal FolioPact voucher is separate.

No. It identifies the account in the workspace. It does not request bank login access, fetch a bank feed or send transfers. Automated integrations are a later roadmap capability.

In the demo, yes. Record the actual amount received and explicitly allocate it among permitted loan components. The allocation cannot exceed the cash received or the applicable balance.

It remains borrower credit. It does not automatically repay principal or become interest income. Applying existing credit to a loan later is not a second cash receipt; refunding it is a cash outflow.

For referenced demo cash movements, FolioPact compares the account, reference, exact amount, effective date and event type. A warning requires review. Missing or different references can prevent detection, so reconcile against actual statement movements too.

Current posting rules block cross-currency allocations. Account, receipt and allocated loan currencies must agree. Currency books stay separate and no exchange rate is silently applied.

No. In the current demo it records a manual review decision with a reason. Check the movement against your statement. Automated statement ingestion and suggested matching are not enabled yet.

The rate unit, day-count convention, principal basis, effective dates and capitalisation terms can differ. Annual Actual/365 and a monthly percentage are different agreements. Check every term before comparing results.

The due date uses the last day of February, then returns to the 30th in March. You can also explicitly choose the last day of every month.

No. It is a prospective plan with stated assumptions. It does not post payments or replace the agreement's contractual collection schedule.

No. A quote previews obligations on a selected date and under selected assumptions. It does not post a receipt, refund borrower credit or close the agreement.

The demo uses reasoned reversals and linked replacement entries to preserve the original history. Corrections can be blocked by later dependent allocations. Live financial correction remains restricted pending trusted posting verification.

There is no shared transaction-deletion password. Use your own account and authenticator for private access. Live transaction permissions and sensitive correction controls must be verified before financial posting is enabled.

The demo shows local transaction activity, reasons and linked before/after details; it resets with the demo. Private Workspace audit history shows server-recorded workspace and account activity. Its displayed/exported recent view is limited to up to 200 records.

The demo offers register CSV and Reports XLSX/JSON exports. Loan statements use browser printing; choose Save as PDF where your browser supports it. Live financial statement exports remain unavailable.

Use Forgot password for an email recovery link. Password recovery does not bypass authenticator verification. A lost-authenticator self-service bypass is not available; use your established workspace support channel for identity-verified assistance.

Exports contain only their included records and are not a full system backup. Hosted backup coverage, retention and restore targets still require operator verification and a tested recovery procedure. Temporary demo changes cannot be recovered after refresh.

It focuses on loan agreements and cash movements. Demo exports can support an accountant's review. Full company accounts, tax filings and a direct Tally connection are not included; country-specific capabilities require their own verified implementation.