VoltLedger connects to the EU Battery Passport network and fuses verified passport data with live telemetry — giving lenders a single, compliance-ready risk score at origination.
The Problem
The battery is 40–60% of an EV's value. Yet most lenders approve loans with zero visibility into actual battery health.
A battery rated at 100 kWh from the factory may be delivering 72 kWh today. Book value doesn't reflect actual residual value.
Loan-to-value ratios ignore battery state-of-health. A degraded battery collapses collateral value mid-term — leaving lenders exposed.
OEM telematics, BMS data, and charge records live in silos. There's no unified, lender-ready score — until now.
Lender Workflow
Six steps. No new hardware. Passport data fused automatically when available — telemetry-only when not.
Submit a battery serial number or VIN. VoltLedger resolves it against our cross-OEM database — model, chemistry, capacity, ownership history.
batteries.resolveThe resolver factory auto-detects the right data source — Catena-X, GS1, Direct OEM, or built-in — and fetches the EU Battery Passport. Public or Restricted tier, whichever is accessible.
passport.resolveVoltLedger checks passport fields against the battery record: serial match, VIN linkage, model consistency, cell-to-pack provenance. Returns a confidence score and any discrepancies.
passport.verifyPassport SoH and telemetry SoH are blended into a single authoritative value. Verified passport: 65/35 weighting. A large discrepancy between sources is itself flagged as a risk signal.
scoring.reconcileSoHThe intelligence engine produces a 0–1000 risk score, an A–F grade, LTV recommendation, risk premium in basis points, 60-month residual value, and second-life pathway — passport signals applied on top of the telemetry model.
scoring.engineAt origination, VoltLedger freezes a complete evidence snapshot — passport tier accessed, SoH source, score, grade — and generates a lender-facing attestation text. Locked, stored, retrievable via API.
origination.attestPlatform Architecture
Four layers — consumers, intelligence, data, and external sources. The passport layer sits alongside the scoring engine, not in front of it.
Browser dashboard · Next.js 14 · Clerk auth · Stripe billing · Fleet overview · Battery detail · Origination audit log
REST API · x-api-key auth · Webhooks · Loan origination system plug-ins · Bulk scoring
Risk score · Residual value · LTV recommendation · Second-life assessment · Degradation forecast · 5 sub-scores
Resolver factory · Catena-X connector · GS1 Digital Link · Direct OEM · Aggregator · Identity chain verification · Origination audit
Battery profiles · Risk scores · Passport records · Verification history · Origination audits · Lender tenants
BullMQ workers · Redis queue · NDJSON stream processor · Telemetry normalisation · Score triggers
Redis · Sub-200ms API responses · Score freshness tracking · Passport sync timestamps
MQTT feeds · REST webhooks · Charge records · BMS data · Live SoH updates
Digital Product Passports · ISO/IEC 15459 identifiers · Public + Restricted tier fields · Post-2027 mandate
EV residual value benchmarks · Chemistry market comps · Second-life pricing indices
Battery Passport Layer
VoltLedger's resolver factory routes passport requests to the right data network automatically — swap connectors as market access opens, with no changes to the scoring model.
Data Sources
What You Get
Access Tiers
The EU Battery Passport is not a single open dataset. Access is split by law. VoltLedger is designed to operate at any tier from day one — restricted fields are null when access isn't granted, scoring degrades gracefully.
Anyone scanning the QR code. No credentials required. Mandatory for all EU-market batteries from February 2027.
EU Regulation 2023/1542, Art. 13. Recyclers, repairers, second-life operators — and, pending Commission implementation acts, lenders at origination.
VoltLedger fetches, verifies, and freezes passport data at origination — on the lender's behalf, not in place of them.
Lender Dashboard
Every battery in your loan book — scored, graded, and monitored in real time.
Fleet Ops
Hertz. Amazon Logistics. Utility fleets. VoltLedger gives fleet operators a live readiness view across every vehicle — from daily shift planning to long-term replacement budgeting.
Know before dispatch — shift-ready, limited-range, and grounded counts updated from latest telemetry. No manual check-ins.
Thermal anomaly, DCFC overuse, and abnormal degradation flags surfaced per battery — filter to just the risk type you care about.
30 / 60 / 90-day replacement horizons with per-unit projected dates and confidence levels. Budget your battery capex in advance.
Before a battery leaves your fleet, know its best exit path — grid storage, lower-demand reuse, refurbishment, or recycler — and the dollar value of each.
Lender API
Integrate VoltLedger in hours. Pull battery risk scores, residual value estimates, and LTV recommendations directly into your underwriting flow.
Compliance
Every lending decision leaves a verifiable, immutable record. What passport tier was accessed, what SoH was used, what score was produced — frozen at the moment of approval.
GET /v1/origination/battery/:serial returns full audit history for any battery in your portfolio.API Reference
Everything you need to integrate VoltLedger into your underwriting stack.
Capabilities
Every data point a lender needs, structured the way credit teams think.
Five sub-scores rolled into one composite signal — degradation, thermal history, usage pattern, capacity retention, and age-adjusted SoH.
Current fair market value and 60-month depreciation forecast with confidence intervals, calibrated by chemistry, model, and market comps.
Battery-adjusted loan-to-value ratios with risk premium in basis points, calibrated to chemistry, model, and lifecycle stage.
Know your exit before you enter — stationary storage, fleet reuse, refurbishment, or recycle pathway with value estimates for each.
Full SoH telemetry history, charge cycle records, thermal exposure summary, and degradation forecast — structured for due diligence.
Get alerted when a battery in your loan book crosses SoH thresholds or changes ownership — before it becomes a default risk.
Pay for what you score. Every battery report counts against your monthly quota — no hidden fees.
Roadmap
The lender use case is live. Everything after deepens the data moat and widens the addressable market.
Financial-grade intelligence for EV loan underwriting
EU Battery Regulation 2023/1542 mandates a digital passport for every EV battery from Feb 2027. VoltLedger is the compliance bridge between that passport and your underwriting flow — built now, not when the mandate hits.
Intelligence layer for the full end-of-life ecosystem — where battery data becomes a tradeable asset.
Early Access
Join lenders and auto-finance teams getting early API access. We'll reach out within 48 hours.
No spam. API keys issued after a quick 20-min onboarding call.