It reads your data where it lives.
Orbit Connect
Connects read-only to your loan system's database, or works from file extracts. Nothing in your systems changes, and no rebuild is needed.
Intelligence in motion.
Every number, proven.
Everlant builds intelligent software that checks the numbers financial institutions run on. It reads your data where it already lives, recalculates independently and explains every difference, with your people in control of every decision.
Asset finance
Consumer lending
Mortgages
Payments
Private credit
Finance is moving faster. Proof has to keep up.
Payments are moving to real time. Customers are starting to act through digital assistants. Regulators expect every outcome to be evidenced, and quickly. Yet most institutions still check their own calculations by sample, in spreadsheets, long after the money has moved.
Everlant gives institutions certainty at the speed their business now runs: every figure checked, every difference explained, every result ready to show.
-
AI assistants make the first authenticated card payments in Australia
On behalf of customers, they bought cinema tickets and booked accommodation on cards from two major banks. Mastercard
-
Banks must prove they prevent, detect and respond to scams
Scams Prevention Framework codes apply, and AFCA can hear complaints under them. HSF Kramer
-
AI used for credit decisions becomes high-risk in the EU
Lenders must document, monitor and explain the AI systems they use to score credit. Pinsent Masons
-
Australia's batch payment system is switched off
Direct debits, payroll and repayments move from overnight files to real-time payments. Australian Payments Plus
Built on three things a risk team can trust.
Every Everlant product stands on the same foundations. Intelligence helps us read, investigate and explain. It never decides a number, and your people approve every outcome.
It checks every figure.
Truthline Recalculate
An independent engine that shares no code with your systems recomputes every figure to the cent. Same inputs, same answer, every time.
It shows its working.
Proofmark Prove
Every input, rule, result and approval is recorded, so any figure can be traced, reproduced and handed to an auditor or regulator.
Starting where errors cost the most. Built to reach every part of finance.
Lending comes first because calculation errors there are expensive, regulated and still checked by hand. The same foundations then extend across financial services.
Asset and consumer finance
Amortis replays every car loan, equipment finance contract, novated lease and consumer loan through every variation, rebate and early termination, and calculates what each customer is owed.
Available nowMortgages
Amortis extended to home lending: offsets, redraws, splits, rate changes and product switches.
NextPayments
Checking and reconciling real-time payments and PayTo mandates as batch files disappear.
On the roadmapBanking and deposits
Checking that the interest and fees on every account match what customers were promised.
On the roadmapCards and digital commerce
Recognising when a customer acts through a digital assistant, setting limits and keeping the record.
On the roadmapFunds and private credit
Loan servicing checks, investor waterfalls and reporting for private markets, on the same engine.
On the roadmapTokenised money
Reconciling tokenised deposits and stablecoins with traditional ledgers.
On the roadmapamortisby Everlant
The true life of every loan.
Amortis replays every loan from its first day, through every variation, rebate, payout and early termination. It finds the exact point charging went wrong, follows the knock-on through the rest of the loan and tells you what each customer is owed.
- Variations and hardship
- Rebates on early termination
- Termination fees and payouts
- Interest, fees and charges
- Balloons and residuals
- Refunds and compensation
Amortis finding
Loan EX-2417, equipment finance, terminated early
Synthetic example
Loan EX-2417, equipment finance, terminated early
- Divergence pointA system upgrade starts calculating daily interest on a 360-day year. The contract says 365.
- 15 Jan 2024
- Interest overcharged on a 360-day yearEvery month from February 2024 to payout
- 641.21
- Default interest during an approved pausePause not recorded. 6% p.a. default margin charged on the full balance for three months
- 4,480.96
- Interest charged on that default interestKnock-on after it was capitalised at the restructure
- 497.19
- Customer overpaid$2,557.14 through higher instalments, $3,062.22 through the payout
- 5,619.36
- Compensation for loss of useAt the contract rate of 8.95% p.a. to 15 Oct 2026
- 613.18
- Owed to the customer
- $6,232.54
How we build for regulated institutions.
Independent by design
Our engine never shares code or logic with the system it checks. A check run by the system that made the error is not a check.
Deterministic where money is involved
Intelligence reads, investigates and explains. Money is calculated by tested, deterministic code with exact decimal arithmetic.
People approve what matters
Amortis proposes. Your people approve any action that changes a customer's money or a regulatory record.
Evidence by default
Every run produces its own audit pack: the inputs, the rules applied, the results and who approved them.
Read how we handle data, security and your regulatory obligations
Made by people who have run these systems.
Our founders have spent their careers inside the platforms that run lending and asset finance in Australia: implementing them, migrating loan books onto them, testing them and taking them live.
We know where calculation errors start, how long they hide and what they cost to fix. Amortis is built around the way these platforms actually store and process loans.
See what Amortis finds in your own loan book.
We run a short, fixed-scope pilot on a de-identified extract of your loans. You receive the findings and a clear view of what a full run would find.
Book a briefing