peter-kovacs-dpc commented on code in PR #5305: URL: https://github.com/apache/fineract/pull/5305#discussion_r2686385194
########## fineract-doc/src/docs/en/chapters/features/asset-externalization.adoc: ########## @@ -0,0 +1,309 @@ + +# Asset Externalization +--- + + +## 1. Purpose & Scope + +The Asset Externalization capability enables **loan ownership transfer** between a **Platform Owner** and external investors within **Fineract**, supporting: + +* Loan sales and securitization for GPL products +* Real-time ownership awareness with **COB-based execution** +* Full accounting, reporting, and auditing for **Platform Owner–owned and investor-owned loans** +* API-driven ownership lifecycle management +* Event-driven downstream integration (ETL, Credit domains) + +Ownership is **exclusive**: once sold, the loan is **100% investor-owned** until buyback. + +--- + +## 2. In-Scope vs Out-of-Scope + +### In Scope (Fineract Responsibilities) + +* Persist and manage **loan ownership throughout loan lifecycle** +* Accept ownership transfer requests (sale, buyback, cancel) +* Execute ownership changes **at Close of Business (COB)** +* Generate **accounting journal entries** per ownership +* Publish **ownership change events** +* Provide **GET/POST APIs** for ownership and transfers +* Support delayed settlement (pending → active) +* Produce investor accounting reports + +### Out of Scope + +* Determining which loans are eligible for sale or buyback +* Assignment of loans to investors +* Buyback eligibility logic +* SOR routing logic above credit partner router Review Comment: Out of scope part rewrote -- This is an automated message from the Apache Git Service. To respond to the message, please log on to GitHub and use the URL above to go to the specific comment. To unsubscribe, e-mail: [email protected] For queries about this service, please contact Infrastructure at: [email protected]
