Top Up

Increase an existing facility for customers already performing. Target: 2.5k.

Vertical: Program · Status: ⬜ Planned Back to Program · workflows index

Who it targets

A1.2 - active base with an existing facility and demonstrated repayment behaviour.

Trigger

Repayment milestone, tenure threshold, or scheduled eligibility refresh.

Flow

identify facilities eligible for enhancement
        |
affordability + exposure check
        |
generate offer with the specific enhanced amount   [Creative Agent]
        |
compliance review                                  [Compliance Agent]
        |
dispatch                                           [A5 dispatcher]
        |
single-click acceptance journey   <- the conversion lever

Data it needs

Needs	Have
Current facility terms	⬜
Repayment track record	⬜
Enhancement eligibility rules	⬜

Agents involved

Creative Agent - Compliance Agent.

Blocked on

CRM integration - not started. Without customer records there is no base to select from.

See Program dependencies.

Roadmap source

Page 2 - A1.2 -> Top up - 2.5k — see roadmap_ref_extracted.md.

Design notes

The closest thing to a pure-digital conversion in the Program set - customer, product and relationship all already exist. Friction in acceptance is the main loss point, not persuasion.