fizzy-lynx — Settlement Risk Simulation

Demo User's Wallet

Credit limit: ₹5,000

Total Received

₹800.00

Funds lent to you

Loan Balance

₹12,000.00

Outstanding principal

Failed Exposure

₹2,334.72

⚠ From failed repayments

Available to Mint

₹2,165.28

Limit ₹5,000

Coin Rewards

1,134.72 coins

worth ₹226.94 at ₹0.20/coin

Receive Funds

Loan

Loan Defaulted

3 missed deadlines — minting is blocked. Contact support to resolve.

Admin / Debug

Simulation Mode

Auto-resolve transfers + tick loan deadlines

Installments

#	Due	Principal	Interest	Late Fee	Total Due	Status	Actions
1	18 Apr, 02:30 am	₹894.72	₹240.00	—	₹1,134.72	DEFAULTED	—
2	18 Apr, 02:31 am	₹912.61	₹444.22	₹100.00	₹1,456.83	DEFAULTED	—
3	18 Apr, 02:32 am	₹930.87	₹443.85	₹100.00	₹1,474.72	DEFAULTED	—
4	18 Apr, 02:33 am	₹949.48	₹425.24	₹100.00	₹1,474.72	DEFAULTED	—
5	18 Apr, 02:34 am	₹968.47	₹166.25	—	₹1,134.72	DEFAULTED	—
6	18 Apr, 02:35 am	₹987.84	₹146.88	—	₹1,134.72	DEFAULTED	—
7	18 Apr, 02:36 am	₹1,007.60	₹127.12	—	₹1,134.72	DEFAULTED	—
8	18 Apr, 02:37 am	₹1,027.75	₹106.97	—	₹1,134.72	DEFAULTED	—
9	18 Apr, 02:38 am	₹1,048.31	₹86.41	—	₹1,134.72	DEFAULTED	—
10	18 Apr, 02:39 am	₹1,069.27	₹65.45	—	₹1,134.72	DEFAULTED	—
11	18 Apr, 02:40 am	₹1,090.66	₹44.06	—	₹1,134.72	DEFAULTED	—
12	18 Apr, 02:41 am	₹1,112.47	₹22.25	—	₹1,134.72	DEFAULTED	—

Received Funds

ID	Amount	Status	Received
…hdyw06t3	₹500.00	PENDING	18 Apr, 02:30 am
…p319ia1y	₹1,200.00	FAILED	18 Apr, 02:30 am
…wvapsshz	₹800.00	SETTLED	18 Apr, 02:30 am

Risk Assessment

Repayment KPI

—

0 settled / 2 failed · limit ≤ 2.00

Debt-Mint Grace: 0/3 used

3 mints left before minting is blocked. Recover ₹2,334.72 to reset.

✓KPI: 0 settled / 2 failed = 0.00 (must be ≤ 2)

✓Failed exposure: ₹2,334.72 — grace 0/3

✓Pending (₹500.00) within limit (₹5,000.00)

✓Positive amount required (enforced on input)

Credit utilization57%

Pending + Failed: ₹2,834.72Limit: ₹5,000.00

Recover Debt

Ledger

Failed

18 Apr, 02:38:40 am

Installment payment …k4vqw2 failed

−₹1,134.72

↓ DEBIT

Interest

18 Apr, 02:38:37 am

Compounding interest rolled into installment #4

−₹240.00

↓ DEBIT

Late Fee

18 Apr, 02:38:36 am

Late fee for installment #3

−₹100.00

↓ DEBIT

Interest

18 Apr, 02:38:34 am

Compounding interest rolled into installment #3

−₹240.00

↓ DEBIT

Late Fee

18 Apr, 02:38:32 am

Late fee for installment #2

−₹100.00

↓ DEBIT

Repaid

18 Apr, 02:38:30 am

Coins credited for installment #1

+₹1,134.72

↑ CREDIT

Interest

18 Apr, 02:30:41 am

Compounding interest rolled into installment #2

−₹240.00

↓ DEBIT

Late Fee

18 Apr, 02:30:41 am

Late fee for installment #1

−₹100.00

↓ DEBIT

Loan

18 Apr, 02:30:41 am

Loan of ₹12,000 disbursed

−₹12,000.00

↓ DEBIT

Coin Issued

18 Apr, 02:30:40 am

Coins issued for transfer

+₹500.00

↑ CREDIT

Failed

18 Apr, 02:30:39 am

Bank return — insufficient funds

−₹1,200.00

↓ DEBIT

Coin Issued

18 Apr, 02:30:39 am

Coins issued for transfer

+₹1,200.00

↑ CREDIT

Coin Issued

18 Apr, 02:30:39 am

Coins issued for transfer

+₹800.00

↑ CREDIT

Settled

18 Apr, 02:30:39 am

Bank transfer confirmed by clearing house

+₹800.00

↑ CREDIT