POST/check

Enforce Minimum File Standards

Automatically check every broker submission meets your network's document requirements.

Who is this for

Network Compliance Team / Operations Manager at a mortgage network. Your network (e.g. White Rose, Openwork, Quilter) has defined minimum file standards — specific documents required per case type before a case can be processed. Currently brokers submit incomplete files and your team wastes hours chasing missing documents.

What you'll do

1
Configure your network's file standards per case type
2
Every case submission triggers an automatic document presence check
3
Missing or incorrect documents are flagged immediately
4
Broker is notified of exactly what's missing before the case enters your workflow

The API call

Submit the case documents with an admin_check depth against your network profile. The check validates document presence against the network's defined requirements for the given case type.

file_standards.py

python

from curvestone import Agent

agent = Agent()  # reads CURVESTONE_API_KEY from env

result = agent.check(
    case_type="bridging_finance",
    depth="admin_check",
    documents=[
        open("kyc_biometric.pdf", "rb"),
        open("fact_find.pdf", "rb"),
        open("terms_of_business.pdf", "rb"),
        # Property particulars — missing!
        # Bank statements — missing!
    ],
    reference="NET-2026-08812",
    network_profile="network_whiterose_v2",
    metadata={
        "broker_id": "AR-12345",
        "broker_name": "Premier Mortgages",
    },
)

print(f"Triage:   {result.triage}")
print(f"Present:  {result.documents_present}")
print(f"Missing:  {result.documents_missing}")

The response

A document-by-document breakdown showing what's present and what's missing.

response.json

json

1{
2  "id": "job_2mNx8kQpT5",
3  "type": "check",
4  "status": "completed",
5  "triage": "fail",
6  "reference": "NET-2026-08812",
7  "processing_time": "18s",
8  "scoring": "pass_fail",
9  "case_type": "bridging_finance",
10  "required_documents": [
11    { "name": "KYC / Biometric Check", "status": "present", "document": "kyc_biometric.pdf" },
12    { "name": "Fact Find", "status": "present", "document": "fact_find.pdf" },
13    { "name": "Signed Terms of Business", "status": "present", "document": "terms_of_business.pdf" },
14    { "name": "Property Particulars / Marketing Report", "status": "missing" },
15    { "name": "3 Months Business Bank Statements", "status": "missing" }
16  ],
17  "documents_required": 5,
18  "documents_present": 3,
19  "documents_missing": 2,
20  "cost": "£0.50"
21}

What happens

Fastest and cheapest check tier

Admin checks are the fastest tier — approximately 18 seconds and £0.50 per case. They verify document presence against the network's defined file standards per case type. This is designed to run on every single submission before any human touches the file.

Different requirements per case type

The network can define different required documents for each case type. Residential mortgages need KYC, fact find, terms of business, and payslips. Commercial cases need full accounts and management information. Bridging needs property particulars and bank statements. The platform checks against the correct document list for the submitted case type automatically.

Immediate feedback to brokers

When documents are missing, the broker gets immediate feedback — no more waiting days for a compliance team to notice and chase. The response lists each required document with a clear present or missing status, so the broker knows exactly what to add.

Example document requirements per case type

Case Type	Required Documents
Residential Mortgage	KYC, Fact Find, Signed Terms, 3 months payslips or SA302
Commercial — Investment	KYC, Fact Find, Signed Terms, Copy of lease, Background property portfolio, 3 months bank statements
Bridging Finance	KYC, Fact Find, Signed Terms, Property particulars, 3 months bank statements
Development Finance	KYC, Fact Find, Signed Terms, Developer CV, Cashflow forecast / development costings
Specialist BTL	KYC, Fact Find, Signed Terms, AST/lease copy, Background property portfolio, Income evidence