Made on
Tilda
The case cleared underwriting.
Three opinions agreed.
The claimant swore he'd see it through.
Year four, hour nine of mediation,
he signed for less than your tranche.
You found out last.
How do you explain to your partners
why a winning case came back under water.
They'll ask: "Who vetted the guy whose signature ends this case?"
You won't have an answer.
You didn't misread the case.
You read the file. You lost to the people in it.
On the memo your key witness looked bulletproof — timeline, documents, motive. Then came the deposition. He started walking back his own wording, correcting himself, explaining things nobody asked about.
By hour three the defense stopped asking questions and just let him talk. Nothing new came out. The case got repriced on how he held up.
Motions, a disqualification fight, an interlocutory appeal, a venue fight. They didn't win any of it. Each one just ate eight months. Your multiple didn't die in the courtroom — it died on the docket.
Time was a weapon for them. For you it was a line item.
He didn't call anyone first. Four years of depositions, his personal email picked over line by line, a cash crunch at home — and the defendant put up exactly enough to cover it. He signed inside a week.
After that no number in the case could go higher: there was a figure in the room and it wasn't yours. Your claimant walked into mediation chasing it instead of setting it.
The law was on your side. The signature wasn't.
Everyone in this case is risking time. You're the only one risking money.
The lawyers bill by the hour whether it wins or folds. The experts billed you back at underwriting. The broker took his fee for bringing you the case and moved on. The claimant is non-recourse — a settlement at a quarter of model still clears for him and writes down for you.
And the ethics rules keep you out of the room. Your capital is on the table and you don't get a vote.
Standard underwriting reads the case file.
ID SYSTEM™ reads the people who'll carry it — or fold it.
Before the first tranche.
Before you defend it to your IC.
Before the money is locked in for years with no way out.
For the first time in this case,
you've got a read that doesn't depend on the deal going forward.
We don't take a piece of the recovery. Which means we can tell you no.