13.14 DSA / CA portal

User stories

• As a DSA, I want to submit applications on behalf of clients.
• As a CA, I want to refer my SME clients with their consent.
• As a DSA, I want to see my payout schedule for completed disbursals.

API requirements

• POST /channel/applications (channel-submit on behalf).
• GET /channel/me/pipeline.
• GET /channel/me/payouts.

Data model

• channel, partner, sub_agent, dsa_payout.

UI screens

• Channel portal: lead submission, pipeline, payout statement.

Backend services

• Channel BFF.
• Payout computation.

Test cases

• Attribution captured.
• Pipeline reflects status changes.
• Payout computation matches agreement.

Edge cases

• DSA leaves mid-pipeline.
• CA referral with borrower direct-applying later.
• Sub-agent under DSA.

Acceptance criteria

• DSA / CA can transact without engineering involvement.
• Payouts visible and timely.