Load the pool
Map the tape, isolate quality issues, and preserve a source hash before any structure is proposed.
Portfolio intelligence for credit programs
See the whole stack before you issue.
Plyra forms the book at intake, structures the guarantees and waterfall, then reads it for runoff, claims and risk. One system, application to monitoring.
From loan tape to approval packet.
One continuous credit-review workflow. No handoff between spreadsheets, waterfall models, and memo drafts.
Run the waterfall
Compare capital stacks through base, adverse, and severe cash-flow paths.
Package the evidence
Resolve findings, confirm assumptions, and export the model, memo, and provenance together.
Consumer creditResidential solarAuto loansEquipment financePrivate credit
Structure, stress, and trace every layer.
The capital stack is tested as one system, from collateral cash flow through tranche loss and return.
Constrained structures
Compare feasible stacks without hiding the limits that produced them.
Monthly cash flow
Trace interest, principal, defaults, recoveries, and losses through the waterfall.
Stress paths
See which layer absorbs each loss and where the structure stops holding.
Actionable findings
Turn a failed constraint into the next underwriting or structuring decision.
Before issuance
Built for the work that decides whether a deal moves.
Pool selection, capital structure, stress, evidence, and approval stay connected. The protocol is available after the credit work is complete.
See the WorkbenchEvidence by default.
Every input, assumption, calculation, and exception has a status before the packet leaves the desk.
Stress loss by trancheAll sources linked
Principal loss · severe scenario
- Source tape
- SHA-256 verified
- Critical assumptions
- 5 of 5 confirmed
- Evidence register
- 28 records
- Export
- Ready
Source lineage
Trace each model input back to its source and transformation.
Human confirmation
Material assumptions remain explicit decisions, not silent defaults.
Deterministic output
Memo claims resolve to calculations and evidence records.
Complete packet
PDF, JSON, model tables, findings, and provenance export together.
One deal. One decision path.
The Workbench opens on the selected pool, the current finding, and the next required decision. The full model stays one click away.
1 Intake2 Normalize3 Structure4 Stress5 Export
SELECTED POOL
Solar 2026-A
Capital stackSizeAttachStatus
Senior75.5%24.5%Pass
Mezzanine11.5%13.0%Review
Equity13.0%0.0%Pass
Optional settlement
Plyra Protocol begins where the credit decision ends.
Move an approved structure into testnet vault, protection, and trading flows. Wallet and network controls appear only inside this surface.
Open ProtocolPLYRAFuji testnet · 0x72F1
PROTOCOL
Settlement workspace
Invest by risk layerSenior, mezzanine, equity
OpenBuy vault protectionVault-level credit event
OpenMove between positionsSwap or reinvest
OpenAttest collateralMVP accounting flow
OpenThe people behind the desk.
Brooke Lacey
Founder, CEO & CTO
Entrepreneur and software engineer
Brittany Glenos
Co-Founder, CRO
Banking and fintech, previously Finastra, FIS and Merrill
Pete Wylie
Advisor
Interim CEO & COO, AVAX OneEx-CFO, Napster
Larry Florio
Advisor
Deputy General Counsel, Ethena LabsCo-Founder, Thing3
Danny Carpio
Advisor
AttorneyCo-Founder, Thing3
Mark Manginelli
Advisor
Founder, Digitally NativeCo-Founder, Thing3
