The loan book, audited reads, and automatic GL

The Portfolio tab of /lending is your loan book: every active loan, total outstanding, total originated, and the delinquent count.

Automatic accounting: every loan posts double-entry journal entries to your chart of accounts with no manual work.

- **Origination** — Dr Loans Receivable / Cr Cash for the disbursed principal, plus Dr Cash / Cr Origination Fee Income for any fee.
- **Each repayment** — Dr Cash, Cr Loans Receivable for principal, Cr Interest Income for interest.
- **Nightly** — daily simple interest accrues on every current loan; missed payments flip loans to delinquent.

Audited borrower reads: tap "Aggregated view" on any loan to see the borrower's current qualification — which reductions are active and whether they still qualify. You see the ANSWER, never the underlying bank data. Every such read is logged on the borrower's read log with your org name and timestamp. This is the counterparty-reads-user-data contract: aggregated views only, fully audited. [[feedback_data_helps_user_not_counterparty]]