Verifying a receivable
This is the part that needs no account, no sign-in and no relationship with STOKR. If you are a funder holding a loan tape, this is the whole product.
What you need
Two things, both of which the originator gives you:
- The Loan ID.
- The pool passkey for the pool it sits in.
Possession of those two strings is the credential.
One receivable
Go to spcr.io, enter the Loan ID and the passkey, and press Verify with Blockchain.
You will get one of three answers:
| Result | Meaning |
|---|---|
| Available | Registered, held in STOKR's custody vault, not sold. |
| Sold | Registered, held in a funder's vault. A pool has exactly one holder. |
| Not found | We checked the chain and no receivable exists for this Loan ID and passkey. |
Alongside the result you get the vault address currently holding it and the full transaction history, each entry linked to a block explorer so you can read the record yourself rather than reading our rendering of it.
"Not found" has two causes and they are not the same. Either the receivable is not registered, or the Loan ID or passkey is written differently from the way it was registered. A single space changes the hash. The page distinguishes a malformed input from a real lookup that came back empty, so read which one you got.
A whole pool at once
Drop the loan tape onto the same page. Up to 500 receivables go per request and the browser splits a larger file into successive requests automatically, so a pool of any size can be checked in one pass. Results export to a spreadsheet, generated in the browser.
If the originator sent you the loan tape that SPCR itself produced at registration, it already contains the passkey and the exact registered identifiers, so you can upload it as-is without typing anything.
What a verification does not tell you
No amount, no rate, no debtor, no payment status. SPCR holds none of it. Verification answers three questions: whether the receivable exists, whether it has been registered only once, and which address holds it.
Confirming who you are dealing with
Verification proves a receivable exists and shows which address holds it. It does not tell you whose address that is, by design.
If you are buying from another funder and want to know the selling address really is theirs, ask them for an address confirmation. They prove control of the address by signing a challenge with it, and send you a link. The page you open shows the address, who confirmed it, when, and re-checks the chain to tell you whether that address still holds the pool. See Levels of access.