Credit Unions & CUSOs
Detect overdraft risk before it reaches the ledger.
DGN Layer gives institutions a forward-looking view of member cash-flow pressure before avoidable overdrafts, missed payments, and short-term liquidity gaps create damage.
Built on the DRAGON Engine, DGN Layer provides deterministic risk-detection and decision-support signals while leaving final controls, approvals, disclosures, and member outcomes with the financial institution.
Detect
Identify projected timing pressure before the account balance reflects the risk.
Forecast
Evaluate upcoming income, obligations, reserves, and liquidity exposure.
Support
Surface structured decision-support signals for controlled institutional workflows.
Control
Keep approvals, pricing, disclosures, and final outcomes with the institution.
Deployment
Enterprise Overlay
Core Position
No Ledger Control
Institution Role
Final Authority
The Problem
Overdraft risk is usually visible too late.
Traditional account balances show what is available today. They do not always show what is already spoken for tomorrow.
Balance-Based Blind Spots
Members may appear safe today while future bills, income timing, or protected obligations create a projected shortfall.
Avoidable Overdraft Events
Many shortfalls are timing problems, not permanent insolvency problems. Earlier visibility creates more options.
Member Trust Pressure
Repeated overdraft exposure can damage the member relationship and increase churn risk.
Regulatory Scrutiny
Institutions need safer, clearer, and more transparent ways to support members through liquidity pressure.
Forward Risk Detection
A 31-day view of future member pressure.
DGN Layer is designed to evaluate forward-looking cash-flow risk across upcoming windows, helping institutions identify where timing pressure may create shortfalls before the event reaches the ledger.
Today
Current Balance
The member may appear stable based on present account position.
Week 1
Upcoming Obligations
Known or expected obligations begin changing the true available position.
Week 2-3
Timing Pressure
Income timing and obligation pressure may expose a future liquidity gap.
Before Impact
Decision Support
The institution can review signals before the projected shortfall becomes damage.
Suggested Bridge Evaluation
Decision support, not lending automation.
DGN Layer can help evaluate whether a short-term support option may appear sustainable under institution-defined controls. It does not approve, fund, price, underwrite, or disclose credit.
Institutional Guardrails
Institutions control eligibility rules, thresholds, safety floors, and deployment settings.
DGN Layer provides projected cash-flow context and structured signals.
Final decisions remain with the credit union, CUSO, or financial institution.
Member disclosures, compliance review, funding, and approvals stay outside DGN Software control.
Enterprise Deployment
Zero Core Disruption. Full Institutional Control.
DGN Layer is positioned as an overlay decision-support system. It is designed to support existing digital banking, analytics, and core environments without taking control of ledger movement or final member outcomes.
Overlay Architecture
Designed to sit alongside existing systems through controlled API or data-layer integration.
Read-Only Positioning
Focused on forecasting, analytics, and decision support instead of money movement or ledger control.
Configurable Institution Rules
Thresholds, workflows, safety preferences, and member-facing choices remain under institutional control.
Controlled Sandbox
Explore DGN Layer in a locked sandbox environment.
The sandbox is designed for qualified institutional prospects to explore projected shortfall detection, risk timelines, and bridge-evaluation decision support without connecting live member data.