> ## Documentation Index
> Fetch the complete documentation index at: https://docs.clarivo.co/llms.txt
> Use this file to discover all available pages before exploring further.

# Welcome to Clarivo

> Developer documentation for the Clarivo lending ledger platform

## What is Clarivo?

Clarivo is the high-performance lending ledger built for modern lending businesses. Every money-movement event — payments, disbursements, daily accruals, reversals — flows through a single, append-only double-entry ledger. All balance and history reads are served from the same source of truth.

<Card title="API quickstart" icon="rocket" href="/quickstart" horizontal>
  Authenticate and make your first API call in minutes.
</Card>

## Core capabilities

<Columns cols={2}>
  <Card title="Payments" icon="money-bill-transfer" href="/api-reference/introduction">
    Record loan payments and post allocated journal entries via the waterfall engine.
  </Card>

  <Card title="Disbursements" icon="arrow-right-from-bracket" href="/api-reference/introduction">
    Post loan disbursements with atomic double-entry journal entries.
  </Card>

  <Card title="Accruals" icon="calendar-days" href="/api-reference/introduction">
    Run batched daily interest accruals across your entire loan portfolio.
  </Card>

  <Card title="Balances & Journal" icon="scale-balanced" href="/api-reference/introduction">
    Query real-time loan balances and full journal entry history.
  </Card>
</Columns>

## Key design principles

<Columns cols={2}>
  <Card title="Append-only" icon="lock">
    No mutation endpoints exist. Corrections are always reversals, preserving a complete audit trail.
  </Card>

  <Card title="Idempotent writes" icon="rotate">
    Every POST requires an `Idempotency-Key`. Safe to retry — same key and payload always returns the original result.
  </Card>

  <Card title="Double-entry" icon="book-open">
    Every posting produces balanced journal lines. The ledger is always in balance.
  </Card>

  <Card title="Tenant-isolated" icon="shield-halved">
    Every request is scoped to a single tenant via JWT claims. Data never crosses tenant boundaries.
  </Card>
</Columns>

## Explore the API

<Card title="API Reference" icon="terminal" href="/api-reference/introduction">
  Full reference for all HPTS endpoints — payments, disbursements, accruals, reversals, balances, journal, and reconciliation.
</Card>