Jailed environment restricting programmatic access to multi-tenant data

A system comprising:

• a memory;
• a server;
• a lender confidential data repository comprising a database, present in said memory;
• a processor coupled to said memory, the processor configured to:
• receive, at the server, through an application user interface, from a user device, an inquiry associated with a user;
• request, for an item, an entity response to the inquiry for each of a first entity and a second entity;
• decrypt, in response to the inquiry and within a jailed environment that restricts an entity from accessing any entity specific rules that are not associated with the entity, first rules for the first entity via a first entity-specific key and second rules for the second entity via a second entity-specific key;
• generate, as the entity responses, a first response based on the decrypted first rules for the first entity and a second response based on the decrypted second rules for the second entity;
• generate, within the jailed environment, a universally encrypted entity-agnostic composite payload comprising the first response and the second response;
• and
• send the universally encrypted entity-agnostic composite payload to the user device.

A non-transitory computer readable medium storing instructions that when executed by one or more processors of a device cause the one or more processors to:

• receive, at a server, from a user device, an inquiry associated with a user;
• request, for an item, an entity response to the inquiry for each of a first entity and a second entity;
• decrypt, in response to the inquiry and within a jailed environment that restricts an entity from accessing any entity specific rules that are not associated with the entity, first rules for the first entity via a first entity-specific key and second rules for the second entity via a second entity-specific key;
• generate, as the entity responses, a first response based on the decrypted first rules for the first entity and a second response based on the decrypted second rules for the second entity;
• generate, within the jailed environment, a universally encrypted entity-agnostic composite payload comprising the first response and the second response;
• and
• send the universally encrypted entity-agnostic composite payload to the user device.