Referral from Kingston Data & Credit
Kingston Data & Credit is giving you an opportunity to check whether a lower-cost DUCA Escalator Loan may be available to help resolve qualifying high-interest debt.
Kingston Data & Credit is giving you an opportunity to check whether a lower-cost DUCA Escalator Loan may be available to help resolve qualifying high-interest debt.
Could the Escalator Loan help you?
Answer a few questions to see if you may qualify. If you do, Smartie will securely verify your income.
If you choose to continue, Smartie will guide you through the eligibility check and secure income verification. Kingston Data & Credit will not need access to your bank login details.
About the Escalator Loan
$
Interest rate: 12.45%
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2% interest-rate rebate for borrowers who make payments on time.
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Approval considers cash flow, not just your credit score.
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Funds are paid directly to eligible creditors.
30+
For qualifying high-interest debt above 30% APR.
18
Qualifying debt up to $18,000.
⛔ Credit card debt and CRA debt are not eligible for the Escalator Loan.
Learn more about the Escalator Loan ↗
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Eligibility2
Connect3
Verify4
Results1
Let’s get started
We’ll only ask what’s needed to check initial eligibility.
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Eligibility2
Connect3
Verify4
ResultsConnect your bank securely
To verify your income, Smartie uses Flinks to securely access the transaction information you choose to share.
🛡 Safe & secureSecure bank connection through Flinks.
👁 Read-onlySmartie can review transaction data but cannot move money.
🔐 Your data, your controlYour information is used only for the agreed purpose.
What Smartie checks: regular income deposits, source and frequency of income, available history, and income stability. Monthly disposable income can also be calculated if required by DUCA.
Developer integration point: replace the demo button with your Flinks Connect launch. On successful bank connection, pass the Flinks account/session identifier to Smartie and then call the income-verification endpoint. Keep PII out of the URL; use an internal
application_id or token.
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Eligibility✓
Connect3
Verify4
ResultsWe’re checking your income
Smartie is reviewing your transaction history to confirm whether a regular, stable income can be identified.
Retrieving your transaction data
Identifying income sources
Analysing income frequency and stability
Preparing your result
This is a prototype. In production, Smartie should receive the result from your income-verification logic rather than making the decision in the browser.
Suggested backend result contract:
income_detected, income_stable, income_source_count, history_months, confidence, and optional monthly_disposable_income. Return a simple VERIFIED or REFER status to the front end.
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Eligibility✓
Connect✓
Verify4
ResultsIncome verified
Good news — Smartie identified a regular, stable income.
Your information is ready to be sent securely to DUCA for final review. This is not a final loan approval.
What happens next?
DUCA reviews the application and will contact you regarding the next steps within 48 hours.
DUCA reviews the application and will contact you regarding the next steps within 48 hours.
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Eligibility✓
Connect✓
Verify4
ResultsWe need a little more information
Smartie couldn’t automatically confirm a stable income.
This does not necessarily mean the customer is ineligible. The application can still be referred to DUCA for manual review.
What happens next?
The application and available information are securely sent to DUCA for review. DUCA may contact the customer for additional information.
The application and available information are securely sent to DUCA for review. DUCA may contact the customer for additional information.