What is Subpolicy?
Product
A subpolicy is a decision policy invoked from another one, like a reusable block. It lets you split logic into pieces with a life of their own (identity validation, affordability calculation, fraud rules) and call them from several policies without duplicating them.
Why it matters
When the same logic repeats across origination, limit increases and refinancing, keeping it in three places guarantees they will drift apart eventually. A subpolicy is edited once and every policy calling it uses the current version.
It also improves governance: each block can be versioned and audited on its own, and the team maintaining it does not need to touch the full policy.
- A single source of truth for shared logic.
- Shorter, more readable flows in the editor.
- Versioning and audit per block, not just per policy.
Common questions
What happens if a subpolicy fails?+
The behavior is defined at design time: the calling policy can stop execution or continue with an alternative outcome. Setting it explicitly prevents an error in a secondary block from taking down the whole decision.
Related terms
BNPL (Buy Now, Pay Later)
BNPL (Buy Now, Pay Later) is short-term instalment financing decided at the point of checkout. Its challenge is approving credit in milliseconds with minimal friction, which requires a fast decision engine, alternative data sources and policies that can be tuned per merchant.
Embedded finance
Embedded finance means financial products offered inside platforms that are not banks: marketplaces, wallets, delivery apps. Credit appears at the moment of purchase or payout, without the person going to a financial institution.
Loan origination
Loan origination is the end-to-end process from a credit application being submitted to it being approved and disbursed: data capture, identity verification, data-source calls, scoring, policy execution and the final decision. Automating it cuts response times from days to seconds.
Back to the full glossary.
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