Secure Storage Compliant Document Vault
The Last Step in Your Loan Lifecycle
Store signed, verified loan documents in a UETA-compliant, tamper-evident vault. Encrypted, timestamped, and retrievable all inside the workflow that created them.
After the stipulations are collected. After the borrower's identity is verified. After the loan documents are signed. Every document in that deal needs to live somewhere, accessible to your team, protected from tampering, compliant with the retention requirements of your regulators. For most lenders and dealers, "somewhere" is a folder on a shared drive, or a filing cabinet, or an email thread nobody can find six months later. That's not a vault. That's a liability.
The Crypton Secure Storage Module is the final step in the Crypton document lifecycle. Signed documents from the eSignature Module arrive directly, watermarked, timestamped, and locked. UETA-compliant. End-to-end encrypted. Organized by loan, retrievable by borrower or document type, and governed by configurable retention policies. Not Dropbox. Not Google Drive. A purpose-built compliant vault for lenders and auto finance — embedded in the platform your team already uses.
Trusted inside platforms including:
A Signed Document on a Shared Drive Is Not Compliance.
Federal and state regulations require lenders to retain loan documents for specific periods while UETA establishes the legal framework for electronic records, but having a record isn't enough. You need to demonstrate that the record hasn't been altered, that it was created when you say it was, and that access to it is controlled and logged. A PDF in a Google Drive folder doesn't meet that bar. A shared drive with no access controls and no audit trail doesn't meet that bar. A filing cabinet definitely doesn't.
The Secure Storage Module is purpose-built for this requirement. Documents arrive from the eSignature Module with tamper-evident signatures already applied. They're stored encrypted: AES-256 at rest, TLS in transit. They're organized by loan ID, borrower name, and document type. Retrieval is searchable and logged. Retention policies are configurable to match your regulatory environment. When an auditor asks for a signed loan agreement from 2023, you have it complete, unaltered, and with a full chain of custody.
How the Secure Storage Module Works
A signed document is completed in the eSignature Module or a collected stipulation arrives from the Stipulations Module. The Secure Storage Module receives the document automatically. No manual upload. No email to the filing team.
The document is encrypted (AES-256 at rest), watermarked, and timestamped at receipt. The tamper-evident record is established. Any subsequent access or modification attempt is logged.
Documents are indexed by loan ID, borrower, document type, and date. Retention policies are applied per your configuration. Short-term operational access, long-term archival, or both.
When a document is needed for audit, dispute, or funding confirmation, it's searchable and retrievable in seconds. Full access log maintained. Document integrity verifiable at retrieval.
What You Can Do with the Secure Storage Module
UETA-Compliant Storage
Electronic records stored in compliance with the Uniform Electronic Transactions Act, admissible and audit-ready. Every document in your vault meets the evidentiary standard for electronic records under federal and state law.
End-to-End Encryption
AES-256 encryption at rest. TLS in transit. Documents are protected from the moment they arrive.
Tamper-Evident Records
Documents are watermarked and locked after receipt. Any modification attempt is logged and flagged.
Automatic Timestamping
Every document receives a trusted timestamp at receipt. This establishes the chain of custody from the moment of storage.
Document Indexing
Organized by loan ID, borrower name, document type, and date. Search and retrieve in seconds.
Configurable Retention Policies
Set retention periods to match your regulatory environment: consumer lending, auto finance, or state-specific requirements.
eSignature Module Integration
Signed documents arrive directly from the eSignature Module with no manual transfer, no gap in the chain of custody.
Stipulations Integration
Collected stipulation documents arrive from the Stipulations Module all stored immediately with full provenance.
Access Control & Audit Log
Role-based access control. Every retrieval and access event is logged - who accessed what, when.
White-Label Ready
Deploy the document vault under your own brand. Your team and customers see your interface.
API-First Integration
Single API. Documented, structured for clean integration into LOS, DMS, or any qualifying platform.
Scalability
Scales from single-location dealer to enterprise lending volume. Storage and retrieval performance does not degrade at scale.
Built for the Workflows You're Already Running
Compliant document retention. Built into your LOS.
Consumer lenders are required to retain signed loan documents — UETA governs the electronic record standard. The Secure Storage Module ensures that every signed agreement, every verified identity record, and every collected stipulation is stored in a UETA-compliant vault the moment the signing workflow completes. No manual upload. No shared drive exposure. Retrievable by loan ID or borrower in seconds when an auditor or funding partner asks. Pairs with eSignature and Stipulations modules for a complete, traceable document lifecycle inside your LOS.
Use Cases
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Long-term retention of signed loan agreements and disclosure forms
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Audit-ready document retrieval for regulatory examination
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Stipulation document archiving after loan funding
Deal jacket — digital, compliant, and always retrievable.
Every auto deal generates a deal jacket: purchase contracts, finance agreements, insurance documents, ID verification records. The Secure Storage Module is the digital deal jacket vault. Documents flow in from eContracting and F&I signing workflows automatically. They're encrypted, indexed, and retrievable by deal, by borrower, or by document type. When a lender or auditor needs to pull a deal jacket from 18 months ago, it's complete, unaltered, and searchable.
Use Cases
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Digital deal jacket storage for F&I and eContracting documents
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Insurance and title document archiving after deal close
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Lender-required document retention for funded deals
Add a compliant document vault to your platform with one API.
The Secure Storage Module is API-first and white-label ready. If your software serves consumer finance, auto, or lending customers, adding UETA-compliant document storage as a native feature means one API integration, not a Box or SharePoint configuration, not a custom DMS buildout, not a separate retention solution your customers have to manage. Configurable retention policies, role-based access control, and tamper-evident records deployed under your brand.
Use Cases
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Native compliant document vault embedded in SaaS LOS or DMS\
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White-label retention solution for lender-branded portals
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Full document lifecycle API that pairs with eSignature, AI ID Verification, and Stipulations modules
Already running inside leading platforms. Ready to run inside yours.
The Secure Storage Module is API-first and built for integration. If your software serves consumer finance, auto, or lending customers, adding compliant document storage as a native feature takes weeks, not months.
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White-label ready — deploy the document vault under your own brand
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UETA-compliant out of the box — no legal buildout required
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Configurable retention policies — matches your customers' regulatory environments
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Pairs with eSignature, Stipulations, and AI ID Verification modules for full lifecycle coverage
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Multi-tenant architecture — supports dealer groups, lender networks, enterprise deployments
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Documented API and dedicated integration support through go-live
