Task Providers
Banclo connects to specialist third-party services — such as identity verification and electronic signing — through a Provider Marketplace. Once a provider is switched on for your bank, the tasks it offers (for example a Know Your Customer check or a Document Signing request) become available to use inside your loan applications, exactly like Banclo's built-in upload and form tasks.
This keeps everything in one place: the agent and the client never leave the Banclo journey, and every result is stored securely against the loan request.
What a Provider Is
A provider is an external service that Banclo integrates with on your behalf. Each provider offers one or more task types — the specific actions it can perform.
Banclo currently ships with two built-in providers:
| Provider | What it does | Task types offered |
|---|---|---|
| Stripe Identity | Verifies a customer's identity from an official document (passport, driving licence, ID card) | Know Your Customer (KYC) |
| DocuSign | Sends documents for legally binding electronic signature | Document Signing |
The marketplace is designed to grow over time, so additional providers (for example credit-scoring or further document services) can be added without changing how you work.
Who Manages Providers
There are two distinct responsibilities:
- System Administrator (Banclo platform) — decides which providers exist on the platform and switches them on for a particular bank. This is a platform-level role, not part of your bank's own settings.
- Bank Administrator — once a provider has been made available to the bank, configures it for their own bank by supplying the provider's credentials and enabling it. A bank administrator can only see and manage providers for their own bank.
You will find provider management under Settings → Task Providers.
Enabling a Provider for Your Bank
- Go to Settings → Task Providers.
- Select the bank you are configuring (if you manage more than one).
- Browse the Provider Marketplace and choose the provider you want to use, for example Stripe Identity or DocuSign.
- Open the provider's configuration and enter the credentials supplied by that service (see Credentials & Security below).
- Enable the provider.
Once enabled, the provider's task types can be used within your loan applications.
TIP
Each provider shows its pricing model — for example a fixed fee per verification or per signing envelope — so you know how usage will be billed before you switch it on.
Credentials & Security
Each provider needs its own set of credentials so Banclo can act on your behalf:
- Stripe Identity requires your Stripe API keys.
- DocuSign requires your DocuSign integration key, account details and signing key.
These credentials are sensitive and are never stored in plain text. Banclo keeps them in an encrypted secrets vault, separated per bank, and only references them when a task needs to run. Other administrators cannot read the raw values back out of the system.
Using Provider Tasks in a Loan
After a provider is enabled, its tasks behave like any other task on a loan request:
- Open the loan request and go to its Tasks.
- Add the provider task you need — for example a KYC check for the applicant, or a Document Signing request.
- The task is carried out by the provider, and the result is recorded against the loan automatically.
Because these tasks live in the same place as Banclo's other tasks, they can also be built into your application workflow so the right check happens at the right stage — see Application Workflow and the Task Registry.
Results Are Stored Securely
The outcome of every provider task — the verification decision, the signed document reference, the audit trail — is encrypted and stored against the loan request. Sensitive results are only readable by users with access to that loan, and a non-sensitive summary is kept for reporting and billing.
Identity Verification (Stripe Identity)
The Know Your Customer (KYC) task asks the applicant to verify their identity using an official document. When the check finishes, the loan records:
- The outcome — Approved, Rejected or Inconclusive.
- Supporting details such as the document type and the issuing country.
This gives your team a clear, auditable identity decision without handling the applicant's documents manually.
Electronic Signing (DocuSign)
The DocuSign provider lets an agent send documents for legally binding electronic signature and track them to completion.
Sending a Document for Signature
An agent initiates signing from the loan request:
Choose the source document to be signed — for example, an ESIS, sanction letter, contract, or other legal document that has been published to the loan's document spaces.
Add the signatories. Each signatory has a name, email address and a role:
- Borrower
- Co-Borrower
- Guarantor
- Bank Representative
- External Professional (e.g. a solicitor)
For people who are already participants on the loan, Banclo can fill in their details automatically.
Optionally set a signing order (so signatories sign one after another) and an expiry for the request.
Send the request.
Tracking Signatures
Once a signing request is sent, its status is visible on the loan:
| Status | Meaning |
|---|---|
| Awaiting Signature | The request has been sent and is waiting on signatories |
| Partially Signed | Some, but not all, signatories have signed |
| Completed | All signatories have signed |
| Declined | A signatory declined to sign |
| Cancelled / Expired | The request was voided or reached its expiry |
For each signatory you can see their name, email, role and current status, along with a timeline of when the request was sent and signed. A bank user who is a signatory will see a Sign Document action while the request is awaiting their signature.
Usage & Billing
Because provider tasks may carry a per-use cost, Banclo records usage every time a provider task runs. For each bank you can review:
- The number of executions over a chosen period.
- How many succeeded versus failed.
- The cost associated with that usage, based on the provider's pricing model.
These records are kept as a permanent, unchangeable audit trail so usage can be reconciled against the provider's own invoices.