Savings and Loans: Financial Records in Palladium AI

Understand how Palladium AI structures savings deposits and loan records, including the loan status lifecycle and how member holdings are calculated.

Palladium AI tracks two categories of financial records for every team: savings deposits and loans. Both are scoped to a team and linked to individual members, giving you a clear picture of each member’s holdings as well as the collective financial health of your cooperative. This page explains how each record type is structured, how loan applications move through their lifecycle, and how the platform calculates the headline metrics you see on your dashboard.

Savings Deposits

A savings deposit record captures a single contribution made by a member to the cooperative’s savings pool. Each deposit stores the following fields:

Field	Description
Member	The team member who made the deposit
Amount	The monetary value of the deposit
Date of deposit	The date on which the deposit was recorded
Team	The team the deposit belongs to (set automatically)

Deposits are append-only records — each contribution is a new entry rather than an update to a running balance. This preserves a full audit trail of every transaction.

Savings totals are calculated by summing all deposit amounts for a given member. At the team level, the Savings Deposits metric on your dashboard represents the sum of every deposit amount across all members in the team. There is no concept of withdrawals in the current data model — contact your platform owner if your cooperative needs to record reductions.

The Loan Lifecycle

Every loan application in Palladium AI passes through a defined set of states from submission to resolution. Understanding these states helps you track where each application stands and what action, if any, is required.

Status	Meaning
pending	The application has been submitted and is awaiting review by an admin
approved	An admin has approved the loan; it now contributes to the team’s Portfolio Balance
rejected	An admin has declined the application; it is closed and does not affect Portfolio Balance

1. Member submits application

   A team member completes and submits a loan application. The loan record is created with a status of pending and appears immediately in the admin’s credit desk queue.

2. Admin reviews in the credit desk

   An admin (or platform owner) opens the loan from the credit desk on the Loans page. They can review the applicant’s details, savings history, and any supporting information before making a decision.

3. Admin approves or rejects

   The admin selects Approve or Reject. The loan’s status is updated immediately — no additional confirmation step is required. The applicant can see the updated status in real time.

4. Approved loan appears in Portfolio Balance

   If approved, the loan’s amount is added to the team’s Portfolio Balance metric on the dashboard. Rejected loans are excluded from all balance calculations.

Portfolio Balance Calculation

The Portfolio Balance displayed on your team dashboard is the sum of each approved loan’s amount across all loans in the team that carry an approved status:

Portfolio Balance = Σ loan amount  (where status = "approved")

Pending and rejected loans are never included. This means the Portfolio Balance reflects only committed, active loan capital — giving you an accurate view of funds currently out on loan within your cooperative.

Member Holdings

Each member’s holdings page surfaces two cumulative figures:

• Cumulative savings — the sum of all deposit amounts recorded for that member
• Cumulative loans — the sum of all approved loan amounts for that member

Both figures are visible from the Members page, allowing admins to quickly assess an individual member’s financial relationship with the cooperative. These figures update automatically as new deposits are recorded and as loans are approved or rejected.

All state transitions persist immediately and update in real time across all connected sessions — no page refresh needed. When an admin approves a loan, every other user viewing the dashboard or the Members page will see the updated Portfolio Balance and member loan totals without reloading.