The short answer: Proof integrates with eOriginal and DocMagic eVaults to automatically store signed eNotes. Lenders contract directly with their vault provider, then provide credentials to Proof to enable the integration.
What Are eVaults?
eNotes are electronic versions of promissory notes. There can only be one authoritative copy of a signed eNote, and it must be held in an eVault. eVaults are specialized storage systems for eNotes that follow specific guidelines set by the Mortgage Electronic Registration System (MERS).
Two Supported Vaults
Proof supports two external eVault vendors: eOriginal and DocMagic.
Lenders must contract directly with their vault provider to set up testing and production accounts. Once your vault is configured, Proof can plug your provided credentials into your account and seamlessly integrate with the vault. After integration, when you upload eNotes or create a transaction via an integration or API, Proof automatically uploads and signs the documents in your vault.
When the eNote Is Registered with MERS
The timing of MERS registration depends on which vault provider you use:
- eOriginal: The eNote is registered with MERS after the meeting completes on Proof. Read the eOriginal integration overview.
- DocMagic: DocMagic registers the eNote with MERS after it is signed. DocMagic customers must configure this setting within DocMagic.
Summary Checklist
- Contract directly with your eVault provider (eOriginal or DocMagic) to set up your testing and production accounts.
- Provide your vault credentials to Proof to complete the integration.
- Once integrated, eNotes uploaded or created via API are automatically signed and stored in your vault.
- Confirm with your vault provider when the eNote will be registered with MERS.
Still Unsure?
Our support team is happy to help. Submit a support request or chat with us from any page in the app.
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