Silver Lake Marketplace · LoanIQ at checkout
Shop our partner merchants yourself, or let your AI agent do it. Your agent carries its own key, with the limit you set. Financing is decided by the same rule that answers a Silver Lake prequalification, on the same IBM i system of record. And no terms are accepted until you approve them.
Why a lender runs a marketplace
Personal agents now search, compare and buy. Some stores block them outright. Others let anything in. Either way the shopper's financing options shrink to whatever card is on file, and nobody can show later who agreed to what.
The usual agent checkout
At the Silver Lake Marketplace
The store
Browse as a person, or switch to the agent view to see what an agent receives: structured catalog data, live price, stock and delivery dates. Financing terms are shown only to you, at checkout.
Watch an agent buy
Pick a shopper and play. Playback stops when a person has to decide. Every step lands on an append-only ledger, and each entry carries the hash of the one before it, computed in your browser as you watch.
An illustrated walkthrough: shoppers, prices and terms are examples, decided by the same rule as the prequalification on our home page. It runs in your browser; nothing is submitted, sold or charged. To try the real checkout, shop the live store ↗.
Who gets in
One large retailer blocks shopping agents. Another invites them in. Our merchants set it agent by agent. Change a setting here, then replay a scenario above: the checkout obeys it.
| Agent | Verified by | Admission |
|---|
“I didn't want to pick a side on agents. I wanted to know which ones were at my door, and decide for myself.”
Elena Brooks · Owner · Alder & Pine Home
How the terms work
Financing goes through four steps. Each one names who does it, and what no agent is allowed to do.
1 · Offer
The financing router asks LoanIQ. The same deterministic rule as a prequalification returns approved, declined or refer, and the tier sets the terms.
Owner · LoanIQ on IBM i
No agent decides credit or shops for a better answer.
2 · Show
Every offer travels with its disclosures: amount, APR, payment, number of payments and total cost. Card and partner options sit beside it.
Owner · The checkout
An agent can't hide an option or strip a disclosure.
3 · Approve
The cart comes to you. You see the offers, choose one and approve it on your own device. Your agent learns only the outcome.
Owner · You
An agent never accepts financing on your behalf.
4 · Record
The acceptance record names the agent, who sent it, the delegation, the terms shown and your approval, chained to the entry before it.
Owner · Silver Lake system of record
Nothing is overwritten. A cancellation is a new entry.
Same border, new door
The checkout is the third door onto the same engine. The rule that answers a prequalification decides a point-of-sale offer. The people who own a mortgage decision own the borderline ones here. The ledger is the same ledger.
“We didn't build a store. We let the engine that already knew our lending meet the agents our customers are starting to send.”
Ray Mendez · IT Director · Silver Lake Financial Group
The Marketplace checkout sits in front of an open-source store the merchant owns. The store stays the record for catalog, stock and orders; Silver Lake's IBM i stays the record for the credit decision.
Common questions