⚡ Lender API — Now in Early Access

Know the Battery.
Before You Lend.

VoltLedger gives lenders, insurers, and auto-finance teams financial-grade intelligence on EV battery health — before you approve a loan.

Request API Access View API Docs →
app.voltledger.io/fleet
📊 Overview
🔋 Fleet
⚠️ Flagged
ANALYTICS
📈 Reports
🔑 API Keys
Fleet Overview · 50 Batteries
A
Top Grade
724
Avg Score
7
Flagged
$11.4k
Avg RV
Grade Distribution
A
30
B
12
C
5
D
2
F
1
Flagged Batteries
CATL-US-23-00031 Thermal
CATL-US-23-00044 Degradation
CATL-US-23-00017 DCFC
CATL-US-23-00008 Degradation
View all 7 flagged →
A–F
Risk Grade per Battery
5 Sub-Scores
Degradation · Thermal · Usage · Capacity · Age
<200ms
API Response Time
60m
Residual Value Forecast

The Problem

EV Loans Are Blind Bets

The battery is 40–60% of an EV's value. Yet most lenders approve loans with zero visibility into actual battery health.

🔋

Hidden Degradation

A battery rated at 100 kWh from the factory may be delivering 72 kWh today. Book value doesn't reflect actual residual value.

📉

LTV Miscalculation

Loan-to-value ratios ignore battery state-of-health. A degraded battery collapses collateral value mid-term — leaving lenders exposed.

🔍

No Standardized Signal

OEM telematics, BMS data, and charge records live in silos. There's no unified, lender-ready score — until now.

How It Works

From Serial Number to Credit Decision

Four steps. No new hardware. No lengthy integrations. One REST API call.

1
🔑

Authenticate

Add your API key to any request header. VoltLedger issues keys after a 20-minute onboarding call. No SDK required.

2
🔋

Identify the Battery

Send the battery serial number or VIN. VoltLedger resolves it against our cross-OEM database of models, telemetry, and certifications.

3
🎯

Score & Value

Our engine fuses SoH telemetry, thermal history, charge cycles, and market comps to produce a 0–1000 risk score and 60-month residual value forecast.

4
📋

Underwrite

Get LTV recommendations, risk-adjusted rate premiums in basis points, and second-life pathway estimates — all in a single JSON response.

Lender Dashboard

Full Portfolio Visibility

Every battery in your loan book — scored, graded, and monitored in real time.

  • ✓Fleet Overview — grade distribution, flagged count, average residual value across all batteries
  • ✓Battery Detail Pages — 5 sub-score bars, SoH history chart, and 60-month value forecast per unit
  • ✓LTV Breakdown — base rate, risk premium in bps, and recommended max loan amount
  • ✓Second-Life Pathway — viability status, recommended use case, and exit value estimate
  • ✓Flagged Battery Alerts — thermal anomalies, abnormal degradation, high DCFC usage surfaced instantly
  • ✓API Access — everything in the dashboard is also available via REST API for underwriting integrations
fleet / CATL-US-23-00001
CATL-US-23-00001 Grade B
CATL · LFP-2 Pro · LFP · 82 kWh
724
/1000 composite
Risk Sub-Scores
Degradation710
Thermal780
Usage Pattern690
Capacity755
Age-Adjusted685
Residual Value
$11,240
44.3% of $25,400 vehicle value
12m$10,100
24m$9,020
36m$7,900
60m$6,200
LTV Recommendation
68.5%
Base rate5.00%
Risk premium+138bps
Total rate6.38%
Max loan$17,400
Second Life
✓ Viable
Stationary Storage · Grid
Remaining life6yr
2nd life value$3,800
Recycler value$1,400

Lender API

One API. Complete Battery Intelligence.

Integrate VoltLedger in hours. Pull battery risk scores, residual value estimates, and LTV recommendations directly into your underwriting flow.

GET
/v1/batteries/{serial}/risk
Composite risk score + grade (A–F)
GET
/v1/batteries/{serial}/residual-value
Current value + 60-month forecast
GET
/v1/batteries/{serial}/ltv
Recommended LTV + risk premium (bps)
GET
/v1/batteries/{serial}/second-life
Second-life viability + use cases
GET
/v1/batteries/{serial}
Full battery profile + all scores
POST
/v1/batteries/{serial}/score
Trigger re-score with latest telemetry
200 OK 142ms

API Reference

Developer Documentation

Everything you need to integrate VoltLedger into your underwriting stack.

GET

Risk Score

curl https://api.voltledger.io/v1/batteries/PACK-FL-CA-001/risk \
  -H "X-Api-Key: vl_live_..."
  • compositeScore0–1000 weighted risk score
  • gradeA / B / C / D / F letter grade
  • degradationScoreSoH-based degradation sub-score
  • thermalScoreThermal exposure history sub-score
  • confidenceLevel0–1 model confidence indicator
GET

Residual Value

curl https://api.voltledger.io/v1/batteries/PACK-FL-CA-001/residual-value \
  -H "X-Api-Key: vl_live_..."
  • batteryResidualValueUsdCurrent fair market value
  • vehicleMarketValueUsdFull vehicle market value
  • batteryValuePctOfVehicleBattery as % of vehicle value
  • residualAt12MonthsUsd12-month forward value estimate
  • residualAt60MonthsUsd60-month forward value estimate
GET

LTV Recommendation

curl https://api.voltledger.io/v1/batteries/PACK-FL-CA-001/ltv \
  -H "X-Api-Key: vl_live_..."
  • recommendedLtvPctSuggested LTV ratio (0–85%)
  • riskPremiumBpsRisk premium in basis points
  • requestedLoanAmountUsdMaximum recommended loan amount
  • rationaleHuman-readable LTV rationale
POST

Trigger Re-Score

curl -X POST https://api.voltledger.io/v1/batteries/PACK-FL-CA-001/score \
  -H "X-Api-Key: vl_live_..."
  • serialBattery serial confirmed
  • compositeScoreFreshly computed composite score
  • gradeUpdated A–F grade
  • scoredAtISO timestamp of this score run

Capabilities

Built for Finance Teams

Every data point a lender needs, structured the way credit teams think.

🎯

Risk Score (0–1000)

Five sub-scores rolled into one composite signal — degradation, thermal history, usage pattern, capacity retention, and age-adjusted SoH.

💰

Residual Value Engine

Current fair market value and 60-month depreciation forecast with confidence intervals, calibrated by chemistry, model, and market comps.

📊

LTV Recommendations

Battery-adjusted loan-to-value ratios with risk premium in basis points, calibrated to chemistry, model, and lifecycle stage.

🔄

Second-Life Assessment

Know your exit before you enter — stationary storage, fleet reuse, refurbishment, or recycle pathway with value estimates for each.

📁

Lifecycle History

Full SoH telemetry history, charge cycle records, thermal exposure summary, and degradation forecast — structured for due diligence.

🔔

Portfolio Webhooks

Get alerted when a battery in your loan book crosses SoH thresholds or changes ownership — before it becomes a default risk.

Pricing

Simple, usage-based pricing

Pay for what you score. Every battery report counts against your monthly quota — no hidden fees.

Starter
$299/mo
100 batteries / month
$4.99 per additional battery
  • Risk score + grade (A–F)
  • Full sub-scores (thermal, degradation…)
  • VIN & Battery ID lookup 25 lookups/mo
  • Dashboard — fleet view
  • REST API access
  • Residual value estimate
  • LTV recommendation
  • Portfolio analytics
  • Webhooks
Request Access
Most Popular
Professional
$799/mo
500 batteries / month
$2.49 per additional battery
  • Everything in Starter
  • VIN & Battery ID lookup unlimited within quota
  • Dashboard — full search & detail
  • Residual value estimate
  • LTV recommendation
  • Second-life assessment
  • Portfolio analytics
  • Webhooks
  • Priority email support
Request Access
Enterprise
Custom
Unlimited batteries
Volume pricing available
  • Everything in Professional
  • VIN bulk lookup API
  • Multi-user dashboard
  • White-label option
  • Custom integrations
  • SLA & uptime guarantee
  • Dedicated account manager
  • On-premise deployment option
Contact Sales

Roadmap

Where We're Going

The lender use case is live. Everything after deepens the data moat and widens the addressable market.

⚡ Phase 1 — Live

Lender API

Financial-grade intelligence for EV loan underwriting

  • Battery risk score (0–1000, A–F grade)
  • Residual value + 60-month forecast
  • LTV recommendations + risk premiums (bps)
  • Second-life pathway + exit value estimates
  • Degradation forecast (3–60 months)
  • Multi-chemistry support (LFP, NMC, NCA)
Phase 2 — Q3 2026

EU Regulation Ready

EU Battery Regulation (2023/1542) mandates a digital Battery Passport for every EV battery from Feb 2027. VoltLedger becomes the bridge between that passport and your underwriting flow.

  • Ingest EU-compliant passport data as a scoring input
  • Passport-verified risk scores for EU lenders
  • Lenders get compliance coverage — no regulation work required
  • SoH, carbon footprint & recycled content fields included
  • Supply chain provenance (cell → pack → vehicle)
  • Works alongside — not replacing — existing telemetry inputs
Who benefits: EU-market lenders, fleet operators, and insurers who need to verify passport data at loan origination — without building their own compliance layer.
Phase 3 — Q1 2027

Secondary Market & Recyclers

Intelligence layer for the full end-of-life ecosystem — where battery data becomes a tradeable asset.

  • Auction house integrations (condition-verified listings)
  • Recycler contract intelligence (material value by chemistry)
  • Refurbisher grading API
  • Cross-border compliance & tariff tracking
  • Fleet remarketing dashboards

Early Access

Ready to lend smarter?

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.