KANDA / ASSET-BACKED LENDING
Making asset-backed lending legible.
A mobile system that translates ownership, collateral, offers and repayment into decisions people can understand.
PRODUCT ARCHITECTURE · END-TO-END UX/UI · 2 MONTHS
SCROLL TO RESOLVE THE DECISION ↓
KANDA / ASSET-BACKED LENDING
Making asset-backed lending legible.
A mobile system that translates ownership, collateral, offers and repayment into decisions people can understand.
PRODUCT ARCHITECTURE · END-TO-END UX/UI · 2 MONTHS
SCROLL TO RESOLVE THE DECISION ↓
SYSTEM / THE DECISION CHAIN
The decision is a chain of proof.
Each stage answers the next question—from what is owned to what happens after capital arrives.
ASSET → OWNERSHIP → VERIFICATION → ELIGIBILITY → VALUATION → OFFER → ACTIVE LOAN → REPAYMENT → HEALTH → OPERATIONS
Can Kanda confirm it?
3 VERIFIED HOLDINGS · ₦3.43m
Official registry details resolve into named holdings and a visible aggregate value.
SYSTEM / THE DECISION CHAIN
The decision is a chain of proof.
Each stage answers the next question—from what is owned to what happens after capital arrives.
ASSET → OWNERSHIP → VERIFICATION → ELIGIBILITY → VALUATION → OFFER → ACTIVE LOAN → REPAYMENT → HEALTH → OPERATIONS
Can Kanda confirm it?
3 VERIFIED HOLDINGS · ₦3.43m
Official registry details resolve into named holdings and a visible aggregate value.
SYSTEM / THE DECISION CHAIN
The decision isa chain of proof.
Each stage answers the next question—from what is owned to what happens after capital arrives.
TEN STATES · ONE CONNECTED DECISION
DECISION SPINE
FOCUS / 03
01
ASSET
What does the user own?
—
02
OWNERSHIP
Can the record identify it?
—
03
VERIFICATION
Can Kanda confirm it?
●
04
ELIGIBILITY
Can it support a loan?
—
05
VALUATION
What is it worth?
—
06
LOAN OFFER
Which terms fit?
—
07
ACTIVE LOAN
What is now live?
—
08
REPAYMENT
What is due next?
—
09
PORTFOLIO HEALTH
Is coverage stable?
—
10
CONNECTED OPERATIONS
Which team acts next?
—
SCREEN / VERIFIED HOLDINGS
NEXT / ELIGIBILITY
03 / VERIFICATION
ACTIVE PRODUCT MOMENT
OWNERSHIP CONFIRMED
THE QUESTION
Can Kandaconfirm it?
Official registry details resolve into three named holdings and a visible aggregate value.
3 VERIFIED HOLDINGS
₦3.43m
ESTIMATED HOLDINGS VALUE
VERIFIED → ELIGIBILITY
VERIFICATION, SHOWN IN FULL — ONE PROOF POINT IN A TEN-STAGE CHAIN
NEXT QUESTION / CAN IT SUPPORT A LOAN? →
01 / ASSET → OWNERSHIP
THE ENTRY CONDITION
Before value, there had to be proof.
Kanda begins by translating an asset choice into the official registry details required to verify ownership.
01 · SECURITIES SELECTED
02 · OWNERSHIP DETAILS
SWIPE TO MOVE FROM CHOICE TO PROOF →
01 / ASSET → OWNERSHIP
THE ENTRY CONDITION
Before value, there had to be proof.
Kanda begins by translating an asset choice into the official registry details required to verify ownership.
01 · SECURITIES SELECTED
02 · OWNERSHIP DETAILS
01 / ASSET → OWNERSHIP
THE ENTRY CONDITION
Before value,there had to beproof.
Kanda begins by translating an asset choice into the official registry details required to verify ownership.
01 · SECURITIES SELECTED
DECISION HANDOFF
Chosen is notyet verifiable.
ASSET TYPE
→
REGISTRY ID
The flow asks for official CSCS details before the asset can move forward.
02 · OWNERSHIP DETAILS
02 / VERIFICATION → HOLDINGS
THE EVIDENCE LAYER
Proof becomes a portfolio.
The registry return makes ownership legible as three named holdings with a visible aggregate value.
CSCS VERIFIED
REGISTRY RETURN
3 verified holdings
Linked to the supplied CSCS account.
₦3.43m
ESTIMATED HOLDINGS VALUE
3
HOLDINGS
MTN
MTN Nigeria
₦28.50 / unit · 34,000 units
₦969k
CD
Cadbury
₦12.23 / unit · 5,000 units
₦61k
GT
GTCO Shares
₦200.12 / unit · 12,000 units
₦2.40m
LATEST AVAILABLE REGISTRY DATA
NEXT · CHOOSE SECURITIES TO PLEDGE →
02 / VERIFICATION → HOLDINGS
THE EVIDENCE LAYER
Proof becomes a portfolio.
The registry return makes ownership legible as three named holdings with a visible aggregate value.
CSCS VERIFIED
REGISTRY RETURN
3 verified holdings
Linked to the supplied CSCS account.
₦3.43m
ESTIMATED HOLDINGS VALUE
3
HOLDINGS
MTN
MTN Nigeria
₦28.50 / unit · 34,000 units
₦969k
CD
Cadbury
₦12.23 / unit · 5,000 units
₦61k
GT
GTCO Shares
₦200.12 / unit · 12,000 units
₦2.40m
LATEST AVAILABLE REGISTRY DATA
NEXT · CHOOSE SECURITIES TO PLEDGE →
02 / VERIFICATION → HOLDINGS
THE EVIDENCE LAYER
Proof becomesa portfolio.
The registry return makes ownership legible as three named holdings with a visible aggregate value.
03 · CSCS VERIFIED
CSCS VERIFIED
CSCS VERIFIED
REGISTRY RETURN
3 verified holdings
Linked to the supplied CSCS account.
₦3.43m
ESTIMATED HOLDINGS VALUE
3
HOLDINGS
MTN
MTN Nigeria
₦28.50 / unit · 34,000 units
₦969k
CD
Cadbury
₦12.23 / unit · 5,000 units
₦61k
GT
GTCO Shares
₦200.12 / unit · 12,000 units
₦2.40m
LATEST AVAILABLE REGISTRY DATA
NEXT · CHOOSE SECURITIES TO PLEDGE →
03 / HOLDINGS → PLEDGE
COLLATERAL CONTROL
Ownership is not collateral.
Kanda lets the borrower choose how much of each verified holding enters the pledge while keeping the borrowing boundary visible.
COLLATERAL ALLOCATION
LOAN REQUEST · 1 OF 3
The pledge, composed.
Owned value and pledged value remain distinct.
₦2.74m
TOTAL PLEDGED
Up to ₦2.19m
BORROWING POWER
80%
LTV
MTN Nigeria
60%
₦581,400 selected
Cadbury
0%
₦0 selected
GTCO Shares
90%
₦2,161,296 selected
NEXT · MODEL MY LOAN →
03 / HOLDINGS → PLEDGE
COLLATERAL CONTROL
Ownership is not collateral.
Kanda lets the borrower choose how much of each verified holding enters the pledge while keeping the borrowing boundary visible.
COLLATERAL ALLOCATION
LOAN REQUEST · 1 OF 3
The pledge, composed.
Owned value and pledged value remain distinct.
₦2.74m
TOTAL PLEDGED
Up to ₦2.19m
BORROWING POWER
80%
LTV
MTN Nigeria
60%
₦581,400 selected
Cadbury
0%
₦0 selected
GTCO Shares
90%
₦2,161,296 selected
NEXT · MODEL MY LOAN →
03 / HOLDINGS → PLEDGE
COLLATERAL CONTROL
Ownership is notcollateral.
Kanda lets the borrower choose how much of each verified holding enters the pledge while keeping the borrowing boundary visible.
COLLATERAL ALLOCATION
LOAN REQUEST · 1 OF 3
The pledge, composed.
Owned value and pledged value remain distinct.
₦2.74m
TOTAL PLEDGED
Up to ₦2.19m
BORROWING POWER
80%
LTV
MTN Nigeria
60%
₦581,400 selected
Cadbury
0%
₦0 selected
GTCO Shares
90%
₦2,161,296 selected
NEXT · MODEL MY LOAN →
04 · PLEDGE SECURITIES
04 / PLEDGE → LOAN MODEL
LIVE RELATIONSHIPS
One input.Fourconsequences.
Amount and term remain connected to rate, monthly repayment, total repayment and collateral coverage.
LIVE LOAN MODEL
LOAN REQUEST · 2 OF 3
The terms move together.
Two inputs keep four financial consequences in view.
₦3M
REQUESTED AMOUNT
6 months
REPAYMENT TERM
LIVE LOAN SUMMARY
15% p.a.
ESTIMATED RATE
₦383,333
MONTHLY REPAYMENT
₦2.30m
TOTAL REPAYMENT
137%
COLLATERAL COVERAGE
NEXT · SEE MATCHED OFFERS →
04 / PLEDGE → LOAN MODEL
LIVE RELATIONSHIPS
One input. Four consequences.
Amount and term remain connected to rate, monthly repayment, total repayment and collateral coverage.
LIVE LOAN MODEL
LOAN REQUEST · 2 OF 3
The terms move together.
Two inputs keep four financial consequences in view.
₦3M
REQUESTED AMOUNT
6 months
REPAYMENT TERM
LIVE LOAN SUMMARY
15% p.a.
ESTIMATED RATE
₦383,333
MONTHLY REPAYMENT
₦2.30m
TOTAL REPAYMENT
137%
COLLATERAL COVERAGE
NEXT · SEE MATCHED OFFERS →
04 / PLEDGE → LOAN MODEL
LIVE RELATIONSHIPS
One input.Four consequences.
Amount and term remain connected to rate, monthly repayment, total repayment and collateral coverage.
05 · MODEL THE LOAN
LIVE LOAN MODEL
LOAN REQUEST · 2 OF 3
The terms move together.
Two inputs keep four financial consequences in view.
₦3M
REQUESTED AMOUNT
6 months
REPAYMENT TERM
LIVE LOAN SUMMARY
15% p.a.
ESTIMATED RATE
₦383,333
MONTHLY REPAYMENT
₦2.30m
TOTAL REPAYMENT
137%
COLLATERAL COVERAGE
NEXT · SEE MATCHED OFFERS →
05 / MATCHED LOAN OFFERS
A match is not a decision.
Five eligible offers only become useful when cost, speed and repayment can be compared in one field.
COMPARE THE SAME OFFER ACROSS COST · SPEED · REPAYMENT
Access Bank
BEST OVERALL MATCH
₦2,000,000
6 months
INTEREST
15% p.a.
MONTHLY
₦383,333
TOTAL
₦2.30m
●
Balanced rate, fast decision and 137% collateral cover
Sterling
LOWEST RATE
INTEREST
14.5%
SIGNAL
LOWEST RATE
UBA
1 DAY
INTEREST
15.8%
DECISION
1 DAY
SHIFT FOCUS → BEST OVERALL → LOWEST RATE → 1 DAY
05 / MATCHED LOAN OFFERS
A match is not a decision.
Five eligible offers only become useful when cost, speed and repayment can be compared in one field.
COMPARE THE SAME OFFER ACROSS COST · SPEED · REPAYMENT
Access Bank
BEST OVERALL MATCH
₦2,000,000
6 months
INTEREST
15% p.a.
MONTHLY
₦383,333
TOTAL
₦2.30m
●
Balanced rate, fast decision and 137% collateral cover
Sterling
LOWEST RATE
INTEREST
14.5%
SIGNAL
LOWEST RATE
UBA
1 DAY
INTEREST
15.8%
DECISION
1 DAY
SHIFT FOCUS → BEST OVERALL → LOWEST RATE → 1 DAY
05 / MATCHED LOAN OFFERS
A match is nota decision.
Five eligible offers only become useful when cost, speed and repayment can be compared in one field.
DECISION FIELD / ELIGIBLE OFFERS
₦2M REQUEST
6 MONTHS
5 ELIGIBLE OFFERS
Access Bank
BEST OVERALL MATCH
₦2,000,000
6 months
INTEREST
15% p.a.
MONTHLY
₦383,333
TOTAL
₦2.30m
●
Balanced rate, fast decision and 137% collateral cover
Sterling
LOWEST RATE
INTEREST
14.5%
SIGNAL
LOWEST RATE
UBA
1 DAY
INTEREST
15.8%
DECISION
1 DAY
GTBank
2 DAYS
INTEREST
16%
DECISION
2 DAYS
COST / INTEREST
SPEED / DECISION
REPAYMENT / TOTAL
06 / OFFER REVIEW + CONSENT
Nothing disappears before consent.
The selected offer resolves into gross amount, fee, net proceeds and three explicit consent obligations before signing.
GROSS OFFER₦2,000,000
− PROCESSING FEE₦12,000
= NET RECEIVED₦1,988,000
GROSS OFFER
₦2,000,000
−
PROCESSING FEE
₦12,000
=
NET AMOUNT RECEIVED
₦1,988,000
CONSENT GATE
FINAL REVIEW · 2 OF 2
Repayment schedule
Monthly amount and complete cost
Collateral pledge mandate
Securities and recovery terms
Data verification consent
CSCS and identity checks
SIGNED AS
Okeoghene Igbigbisie
READY
TERMS VISIBLE BEFORE SIGNING
READY
06 / OFFER REVIEW + CONSENT
Nothing disappears before consent.
The selected offer resolves into gross amount, fee, net proceeds and three explicit consent obligations before signing.
GROSS OFFER₦2,000,000
− PROCESSING FEE₦12,000
= NET RECEIVED₦1,988,000
GROSS OFFER
₦2,000,000
−
PROCESSING FEE
₦12,000
=
NET AMOUNT RECEIVED
₦1,988,000
CONSENT GATE
FINAL REVIEW · 2 OF 2
Repayment schedule
Monthly amount and complete cost
Collateral pledge mandate
Securities and recovery terms
Data verification consent
CSCS and identity checks
SIGNED AS
Okeoghene Igbigbisie
READY
TERMS VISIBLE BEFORE SIGNING
READY
06 / OFFER REVIEW + CONSENT
Nothing disappearsbefore consent.
The selected offer resolves into gross amount, fee, net proceeds and three explicit consent obligations before signing.
2 REVIEW STATES · 3 CONSENTS · 1 SIGNATURE
GROSS OFFER
₦2,000,000
−
PROCESSING FEE
₦12,000
=
NET AMOUNT RECEIVED
₦1,988,000
CONSENT GATE
FINAL REVIEW · 2 OF 2
Repayment schedule
Monthly amount and complete cost
Collateral pledge mandate
Securities and recovery terms
Data verification consent
CSCS and identity checks
SIGNED AS
Okeoghene Igbigbisie
READY
TERMS VISIBLE BEFORE SIGNING
READY
07 / CAPITAL RECEIVED
The agreement becomes available capital.
After consent, Kanda confirms disbursement and hands the borrower directly into the loan dashboard.
SIGNED → DISBURSED → DASHBOARD
CAPITAL RECEIVED · VIEW LOAN DASHBOARD
07 / CAPITAL RECEIVED
The agreement becomes available capital.
After consent, Kanda confirms disbursement and hands the borrower directly into the loan dashboard.
SIGNED → DISBURSED → DASHBOARD
CAPITAL RECEIVED · VIEW LOAN DASHBOARD
07 / CAPITAL RECEIVED
The agreement becomesavailable capital.
After consent, Kanda confirms disbursement and hands the borrower directly into the loan dashboard.
DISBURSEMENT CONFIRMED · DASHBOARD HANDOFF
ACTIVATION EVENT / CAPITAL RECEIVED
SIGNED → DISBURSED
SIGN & ACCEPT OFFER
CAPITAL RECEIVED
VIEW LOAN DASHBOARD
08 / ACTIVE LOAN + HEALTH
A live loan is a changing system.
Outstanding balance, repayment timing and collateral thresholds stay connected after disbursement.
ACTIVE STATUS · REPAYMENT · TOP-UP · COLLATERAL HEALTH
OUTSTANDING BALANCE
80% REMAINING
₦800,000
4.5% APR
2 months
of ₦1,000,000 principal
Updated 5 mins ago
NEXT REPAYMENT
SCHEDULED
Oct 5
₦56,000
REPAYMENT DUE
MAKE REPAYMENT
COLLATERAL HEALTH
STABLE
67
/100
137% coverage
Minimum 125%
Your collateral is above the maintenance threshold.
08 / ACTIVE LOAN + HEALTH
A live loan is a changing system.
Outstanding balance, repayment timing and collateral thresholds stay connected after disbursement.
ACTIVE STATUS · REPAYMENT · TOP-UP · COLLATERAL HEALTH
OUTSTANDING BALANCE
80% REMAINING
₦800,000
4.5% APR
2 months
of ₦1,000,000 principal
Updated 5 mins ago
NEXT REPAYMENT
SCHEDULED
Oct 5
₦56,000
REPAYMENT DUE
MAKE REPAYMENT
COLLATERAL HEALTH
STABLE
67
/100
137% coverage
Minimum 125%
Your collateral is above the maintenance threshold.
08 / ACTIVE LOAN + HEALTH
A live loan is achanging system.
Outstanding balance, repayment timing and collateral thresholds stay connected after disbursement.
ACTIVE STATUS · REPAYMENT · TOP-UP · COLLATERAL HEALTH
LIVE LOAN TELEMETRY / LOAN #2471
ACTIVE · BOND
OUTSTANDING BALANCE
80% REMAINING
₦800,000
4.5% APR
2 months
of ₦1,000,000 principal
Updated 5 mins ago
NEXT REPAYMENT
SCHEDULED
Oct 5
₦56,000
REPAYMENT DUE
MAKE REPAYMENT
COLLATERAL HEALTH
STABLE
67
/100
137% coverage
Minimum 125%
Your collateral is above the maintenance threshold.
LOAN JOURNEY
REPAYMENT DUE
01
Capital received
02
Repayment due
03
Maturity
MAKE REPAYMENT
VIEW COLLATERAL →
SERVICING / REAL PRODUCT EVIDENCE
Two paths.One loan.
Top-up and repayment stay visible without disconnecting the live balance.
TOP UP · REPAY
LOAN PORTFOLIO / REAL PRODUCT STATE
◉ Loan summary
Updated 5m ago
TOTAL ACTIVE LOANS
05
OUTSTANDING BALANCE
₦1,050,000
Top up loan
Repay all
01
PORTFOLIO ACTION
Top up loan
Available beside the active balance.
→
02
BALANCE ACTION
Repay all
Available from the same loan summary.
→
09 / CONNECTED OPERATIONS
A decision becomes an operating state.
Pending consent, explicit approval and an active registry lien make the operating chain reviewable.
01 / INITIATOR · PENDING CONSENT
02 / AUTHORIZER · EXPLICIT DECISION
03 / BROKER · ACTIVE REGISTRY LIEN
LENDER / THE WIDER BOOK STAYS LEGIBLE
09 / CONNECTED OPERATIONS
A decision becomes an operating state.
Pending consent, explicit approval and an active registry lien make the operating chain reviewable.
01 / INITIATOR · PENDING CONSENT
02 / AUTHORIZER · EXPLICIT DECISION
03 / BROKER · ACTIVE REGISTRY LIEN
LENDER / THE WIDER BOOK STAYS LEGIBLE
09 / CONNECTED OPERATIONS
A decision becomesan operating state.
Pending consent, explicit approval and an active registry lien make the operating chain reviewable.
BROKER STATE · AUTHORIZATION · LENDER CONTEXT
CONSENT STATE TRANSITION
PENDING → REVIEWED → ACTIVE
01 / INITIATOR · PENDING CONSENT
→
02 / AUTHORIZER · EXPLICIT DECISION
LOAN #2471 · ₦3,000,000 · PENDING APPROVAL
→
03 / BROKER · ACTIVE LIEN
ACTIVE · ₦240,000 · 4 MONTHS
REGISTRY ID · CSCS-12345DF
LENDER / PORTFOLIO CONTEXT
The wider bookstays legible.
Balances, borrowers and repayment activity remain visible around the lien workflow.
₦50M WALLET · 15 BORROWERS
₦1.2M RECEIVED THIS MONTH
10 / DESIGN JUDGMENT
Clarity was not the layer on top. It was the system.
JUDGMENT / THE DESIGN PRINCIPLE
Kanda made the path from ownership to liquidity easier to understand—without pretending the underlying financial system was simple.
COMPLEXITY MADE VISIBLE
An asset the user already owns.
01 / ASSET — A holding, vehicle or property.
02 / OWNERSHIP — Identity and registry details.
03 / CONSENT — Permission to use collateral.
One decision, continuously visible.
01 / VALUE — Verified portfolio value.
02 / OBLIGATION — Outstanding balance and repayment.
03 / HEALTH — Collateral coverage over time.
OWNERSHIP → LIQUIDITY → CONTINUITY
KANDA / END-TO-END PRODUCT DESIGN
10 / DESIGN JUDGMENT
Clarity was not the layer on top. It was the system.
JUDGMENT / THE DESIGN PRINCIPLE
Kanda made the path from ownership to liquidity easier to understand—without pretending the underlying financial system was simple.
COMPLEXITY MADE VISIBLE
An asset the user already owns.
01 / ASSET — A holding, vehicle or property.
02 / OWNERSHIP — Identity and registry details.
03 / CONSENT — Permission to use collateral.
One decision, continuously visible.
01 / VALUE — Verified portfolio value.
02 / OBLIGATION — Outstanding balance and repayment.
03 / HEALTH — Collateral coverage over time.
OWNERSHIP → LIQUIDITY → CONTINUITY
KANDA / END-TO-END PRODUCT DESIGN
10 / DESIGN JUDGMENT
Clarity was not the layer on top. It was the system.
JUDGMENT / THE DESIGN PRINCIPLE
Kanda made the path from ownership to liquidity easier to understand—without pretending the underlying financial system was simple.
COMPLEXITY MADE VISIBLE
WHAT ENTERS
An asset the useralready owns.
01 / ASSET
A holding, vehicle or property.
02 / OWNERSHIP
Identity and registry details.
03 / CONSENT
Permission to use collateral.
THE RESOLVED STATE / OVERVIEW
WHAT BECOMES LEGIBLE
One decision,continuously visible.
01 / VALUE
Verified portfolio value.
02 / OBLIGATION
Outstanding balance and repayment.
03 / HEALTH
Collateral coverage over time.
OWNERSHIP → LIQUIDITY → CONTINUITY
KANDA / END-TO-END PRODUCT DESIGN
The work was not only about helping someone secure a loan. It was about making the relationship around asset-backed lending legible, from proving ownership and defining collateral, to comparing offers, giving consent, managing repayment, and keeping portfolio health visible. The work demonstrates how I translated a connected financial system into clear product states, evidence, and interaction models across borrowers, brokers, and lenders.