Legal review

Why

Rules used to process a security interest must be reviewed by an authorized lawyer before activation. The legal review module organizes proposals, corrections, validation, and activation of these rules, retaining the identity and authorization of the person responsible for each decision.

How, in the application

A rule moves through a four-position state machine: PROPOSEE_A_VALIDER (proposed, to be validated), then, after validation, VALIDEE_CONSEIL (validated by counsel), and finally, after a second, distinct act, ACTIVEE (activated) — only this last state makes the rule usable in production. The distinction between the last two states is deliberate: counsel can state what the law allows without anyone having yet decided to use it, for example because an engine is not ready or an operational question remains open. A correction position (A_CORRIGER, to be corrected) lets a proposal be sent back upstream without losing it.

Three distinct authorizations govern these acts: reviewing, commenting, and requesting a correction are open to a reviewer; loading a proposal into the review space is open to a rule editor, who carries no validation power. Validating and activating are both reserved to an approver, registered by name with the firm and the source of their authorization. Every correction of an already-proposed rule creates a new version rather than overwriting the previous one — a rule reviewed six months later must be able to show what was submitted and what counsel answered at that time.

The base reference framework covers twenty-two OHADA collateral regimes, supplemented by country-specific national overlays; a cell that is not validated or is explicitly marked unavailable can never be used by default — any operation that encounters it is blocked and explicitly escalated to a human, rather than receiving a default value that would silently produce null collateral.

Safeguards

• Submitting a proposal and validating it require distinct authorizations: an editor can prepare the review without having the authority to approve the rule.
• Only rules validated and then activated for the relevant country and regime can be applied to a file.
• An incorrect default would be worse than a block: a block costs a phone call, null collateral costs the financing's principal.