1. Introduction to the Ospery Lending Bridge

Ospery provides a "Lending Bridge" technology service that connects independent sellers on the Ospery platform with licensed local lenders and financial institutions ("Lenders").

Ospery is a commerce orchestration platform and is not a bank, micro-lender, or licensed financial advisor. The Lending Bridge is a data-driven match-making service designed to improve capital access for the informal economy.

2. Lender Eligibility and Licensing

To participate as a Lender on the Ospery platform, you must hold all necessary local licenses and regulatory approvals required to provide credit in your operating jurisdiction (e.g., a Micro-Lending License from the Bank of Zambia).

Lenders must provide proof of such licensing during onboarding. Ospery reserves the right to suspend or terminate Lender access if licensing is revoked, expired, or found to be invalid.

3. Data Intelligence and OSIPERY Score

Ospery provides Lenders with "Credit Insights" and a proprietary "Ospery Trust Score" based on a seller's verified transaction history, smart ledger consistency, and platform tenure.

These insights are derived from automated AI analysis of commerce data. Ospery does not guarantee the accuracy of seller-reported manual entries and provides no warranty regarding the future repayment capability of any seller. The final credit decision rests solely with the Lender.

4. Loan Disbursement (B2P)

Loan disbursements are handled through third-party licensed payment providers (e.g., pawaPay). When a Lender approves a loan, Ospery triggers a Business-to-Person (B2P) payout instruction.

The Lender remains responsible for ensuring they have sufficient funds in their merchant wallet to facilitate the disbursement. Ospery does not custody or intermediate the disbursement funds.

5. Automated Revenue-Split Repayment

Ospery provides an automated repayment mechanism whereby a pre-agreed percentage of the seller's future QR-driven sales is automatically diverted to the Lender for debt servicing.

This "Split-Settlement" is an orchestration instruction provided to the payment processor. The Lender acknowledges that repayment is dependent on the seller's continued transaction volume on the platform.

6. Ospery Cap and Fair Lending

To protect the integrity of the ecosystem, Ospery may enforce a maximum allowable interest rate or total cost of credit ("Ospery Cap"). Lenders agree to operate within these platform-mandated limits to ensure sustainable growth for participating sellers.

7. Limitation of Liability

Ospery is not a party to any loan agreement. All disputes regarding loan terms, interest calculations, repayment schedules, or defaults are strictly between the Lender and the Seller.

Ospery is not liable for any credit losses, defaults, or fraudulent applications. Lenders acknowledge that lending to micro-businesses involves inherent risk and that the Ospery Score is a supplementary data tool, not a guarantee of repayment.