Format and example files
SPCR accepts the loan tape your systems already produce. No reformatting is required.
Requirements
SPCR reads one column: the Loan ID. All other columns are ignored.
Accepted formats are .xlsx, .xls, .csv, .tsv and plain text, up to 5,000
rows per submission. Loan IDs can also be entered manually.
Debtor names and amounts do not need to be removed before upload. SPCR ignores them and does not record them on the blockchain. You may remove them to simplify compliance review; a file containing only the Loan ID column is valid.
Generate a test loan tape
The builder generates a loan tape with correctly formatted identifiers for testing. Originators with an active workspace should use the loan tapes produced by their own systems.
Enter a company name to generate identifiers with your own prefix. If you do not have a workspace, select a demo workspace; any signed-in user can register the generated tape there.
Build a tape with your own identifiers
The file is generated in your browser. Input is not sent to any server.
Enter a company name or select a demo workspace to generate a loan tape.
Company prefix. A Loan ID can be registered only once across the registry, so a shared example file can be registered only once. A unique prefix avoids collisions with files generated by other users.
Series. Each series corresponds to one pool. Series 4 produces the pool
code YOURCO-2026-P4 and the Loan IDs within it. If a series has already been
used, select a different number.
Registering a test tape
- Sign in and open a workspace.
- Select Register receivables, then Create pool. Use the pool code shown by the builder and set a passkey. Record the passkey for step 5.
- Select the pool, upload the file, and review the rows.
- Submit. Each row returns its own result and a transaction link.
- Go to spcr.io, enter one of the Loan IDs and the passkey, and verify it. This is the view a funder receives.
- Attempt to register the same file into a different pool. Every row is rejected as already registered, confirming the uniqueness check.
Example files
The files below are pre-generated. All use the prefix YOURCO. Change the prefix
before registering, or the rows will be rejected as already registered.
Creating your own Loan IDs
Review Loan ID rules before generating identifiers,
because they cannot be changed after registration. Loan IDs must contain no
spaces, be 5 to 64 characters long, and use only letters, digits and - _ /
..