Execution-time checks · LendEasy Docs

Volatile controls are re-evaluated at send, dial, submit, or post time, so neither immediate nor queued work can act on a permission that has gone stale.

Every permission in servicing has a shelf life. Between deciding to call somebody and dialling them, a borrower can revoke consent, file for bankruptcy, or pay in full. So execution asks “may this exact action run now?” and answers it at the moment of acting: the owning operation puts the question itself, and scheduled voice work adds a dispatch gate and a dispatch-bound dial authorization, because a queued call waits exactly where the facts move.

An allowed operation runs on its owning route rather than being turned into a request first, so the decision and the act happen in one place. The generalized preview and preparation lifecycle is described at the end of this page. See API availability.

What can change in between

ConsentRevoked, or a stop request

ProtectionBankruptcy, representation, dispute, fraud or vulnerability

CapacityAnother worker spends the remaining budget

MoneyA payment posts, returns, or moves in flight

VersionsLoan, schedule, restriction, instrument or case

Local timeCrosses a configured boundary

RulesA product or rule version reaches its effective time

ApprovalRejected, or expired

An earlier allowed result cannot authorize around any of these. Any one of them, on its own, turns a reasonable plan into a call the platform knew it should not place.

Placing a call: the dial API

curl -X POST "$BASE/v1/servicing/calls/outbound" \
  -H "Authorization: Bearer $TOKEN" \
  -H "LendEasy-Tenant: demo-lender" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: hbr-call-attempt-2027-05-01-1" \
  -d '{
    "caseId": 1001,
    "customerRef": "412",
    "loanRef": "7204",
    "contactPointRef": "cp_MAYA_MOBILE_1",
    "reasonCode": "COLLECTIONS_FOLLOW_UP"
  }'

The dial API does not accept or trust a caller-provided allowed flag. It creates the interaction evidence first, resolves the latest contact facts, makes the execution decision, and only then invokes the telephony gateway — the response is always 201 with the persisted attempt, whose status is DIALING, BLOCKED, or FAILED with the compliance decisionId. A future-dated contact is booked as a scheduled callback on the case, and its start-call command runs this same gate again at dial time; there is deliberately no scheduled email or SMS send to drift stale.

Nothing commits on a version that moved

Checking and then acting leaves a gap, and a gap wide enough to read a fact in is wide enough for that fact to change. So the executor binds what it decided on:

normalized action payload hash;
customer, loan, case, instrument, schedule, and restriction versions used;
policy bundle and rule versions;
decision ID and expiry;
idempotency key and attempt number;
provider request or authoritative action reference.

If a bound version changes before commit, execution fails with a conflict or new decision—not a stale side effect.

Blocked attempts are evidence

A blocked attempt is not a sent interaction and should not count as provider delivery. It still records the intended action, pre-check, current blocking fact, rules, time, actor, and safe next step. Without that record, a control that fired and a control that never ran look identical from the outside — silence proves nothing, and the whole value of a gate is being able to show it held.

A mass action is many small decisions

A mass action fans out into individually checked actions, and each customer receives a fresh evaluation at their own execution time. One can be allowed, one blocked, one missing facts, and one already resolved; the customer record result preserves every branch. A population evaluated once at the top would carry one borrower’s permission to nine thousand others.

Retry only after the blocking condition has a documented resolution or current facts support a new evaluation. Re-enqueuing around a block with a new idempotency key is not remediation — it is the same action, asked again in the hope of a different answer.