Who it is for

Ten doors, one file.

VFIntel is the regulated plumbing between the renter, the landlord, the bank, the insurer and the credit system, and the one file they all read from. It verifies the renter, collects the rent, puts the insurance in place, reports the rent so it builds credit, and keeps the rules. All of it is written down when the money arrives.

Renter

Move with a history that travels, and rent that builds credit.

One verified identity, applied anywhere, carried to the next lease.

Because the file exists, you can now

Apply once, anywhere, and carry a reputation that already exists.
Skip the guesswork, because landlords compete for a renter they can already trust.
Turn rent into credit, reported with permission, building toward a mortgage.
Show the same proof everywhere, in a new city, a new province, a new lease.

Landlord

Say yes with confidence, and show a lender what the building earns.

A verified applicant in minutes, and a rent roll a lender can read.

Because the file exists, you can now

Say yes in minutes to an applicant verified the same way every time.
Get paid by bank transfer, with arrears visible before they become a problem.
Price insurance on the actual tenant and unit, not a guess.
Show a lender or a buyer a rent roll they can trust without a reconstruction.

Property office

Fraud stopped at the door, and month end that prepares itself.

New revenue on the rail you already run rent through.

Because the file exists, you can now

Stop fraud at the front door, before a fake applicant reaches a lease.
Close the books faster, because the payment is already written down.
Earn new revenue on the same rail, with the right to decline.
Hand a buyer or a lender a rent roll they do not have to verify twice.

Payments network

Rent becomes network volume with proof attached.

The largest recurring payment in a household, carried on the network for the first time.

Because the file exists, you can now

Carry the largest recurring payment in a household on the network, with the lease behind every transaction.
Split one rent payment to landlord, insurer and utility, and prove where each dollar went.
Read twelve months of paid rent as a signal card networks have not had before.
Issue and acquire for renters the paper could not see.

Bank

An account and a card for the person the paper could not see.

A verified rent history stands in for the thin file.

Because the file exists, you can now

Open accounts for renters with a verified identity earned month by month.
Issue debit and credit against a rent history instead of a thin file.
Hold the sponsored money with every movement written down as it happens.
Answer a regulator with the record, not a reconstruction.

Insurer

The customer at the moment the lease requires insurance.

Priced on the actual person and the actual home, not an average.

Because the file exists, you can now

Reach the half of renters who carry no insurance, at signing, on the rent rail.
Price the actual person and the actual home instead of an average.
Sell the smaller policies this market has not had: life, rent default, income.
Get one answer at claim time, with source and date.

Credit company

Price the individual, not the postal code.

Risk read from rent that was actually paid, not a guess.

Because the file exists, you can now

Read risk in the moment from rent that was actually paid.
Offer rent bridges, move-in loans and deposit alternatives sized to the person.
Take consent at the lease, where it is natural to give.
Collect with evidence instead of a phone call.

Bureau

A new line on the largest bill people pay.

A living record built from rent that actually arrived.

Because the file exists, you can now

Add a rent line to the largest bill most households pay.
Read a living record, not a static pull from one moment in time.
Tell a real person from a fake one, with proof paper cannot give.
Resolve disputes with evidence, before and after, not a phone call.

Accountant

Books that arrive balanced, just the exceptions to check.

Statements per unit, building and portfolio, from one file.

Because the file exists, you can now

Open books that already balance, because it's written down when the payment happens.
Work exceptions, not entries, reconciliation reduced to what does not match.
Produce statements per unit, building and portfolio from the same record.
Serve hundreds of small landlords from one file instead of hundreds of spreadsheets.

Trades

Work orders tied to the unit, paid on the same rail.

A maintenance history that travels with the building.

Because the file exists, you can now

Get work orders tied to the unit and the lease, not a phone call and a guess.
Get paid on the same rail as rent, with proof attached.
Build a maintenance history that travels to the next buyer and the insurer.
Run warranties and service on one clock, instead of six systems.

Two doors for partners

Two doors in, one file underneath.

Landlords and property offices

Verified applicants, one payment that pays everyone, insurance that stays attached, rent reporting, a $10,000 identity warranty.

Model your numbers

Carriers, brokers, banks, lenders and bureaus

The customer at the moment the lease requires it, priced on the individual, one answer at claim time, consent the renter has a reason to give.

Model the partnership

VFIntel products

What travels with the renter.

A glass shield with a green check beside a house key.

The $10,000 identity warranty

Continuous identity verification, backed by a warranty that pays if the identity fails after signing. A renter verified through VFIntel carries it to every door.

Insurance that stays attached

Renters insurance at signing, on the rent rail, monitored for lapses.

Rent that builds credit

Rent reporting with the renter's permission.

Landlord and renter warranties

Landlord protection sold through the property office; appliance and system protection bundled with the lease.

A machine printing perfect documents toward an open padlock, and a phone with a green check linked to the cube.

And the home itself gets a file of its own

A verified rent roll, a maintenance history, a compliance history and insurance history make a building a different asset from one with a folder.