Products & services

Six financial products. One integration.

The trusted system of record for the rental economy's financial ecosystem: payments, insurance, credit, identity, and banking in one place at the lease. One connected record the rental economy can act on. The regulated financial data behind every lease becomes that record. Some rails run on our own licenses, some through regulated partners. The Wallet is what the renter sees.

Stage note

Seed stage. Middleware, mobile wallet backbone, and bank partnerships in place today. Final certification sequences with the seed round.

Payments-native

We run the rail.

VFIntel is payments-native. We operate the regulated payment rail on both sides of the transaction, which is what lets every rent payment double as a verification event. Insurance, credit, identity, and banking sit on top of that same regulated movement of money, not beside it.

That is why the record holds. Once every party trusts the record the rail produces, it becomes the thing they build on, which is what makes a system of record a position and not a feature.

Six regulated products

What we deliver, and how.

Every product runs on the same regulated rails: some on our own licenses, some through partner institutions, all under one roof.

Payments

Delivered by VFIntel · Regulated processor layer on existing networks

Regulated money movement for rent, deposits, broker fees, and insurance premiums across North America. VFIntel operates the regulated processor layer on top of existing payment networks, with MSB / MTL licensing under way in our own stack and PCI DSS Level 1 on every card surface.

Who: renters, PMCs, carriers, and bureaus.

Why: every rent payment becomes a verification event the other products plug into.

Insurance

Delivered through our apps · Underwritten by carrier partners

Embedded renters insurance that attaches at the lease moment, where coverage is required. Carrier-grade distribution through a single policy administration integration, replacing a fragmented mix of broker relationships. VFIntel is the distribution surface; carrier partners underwrite.

Who: renters get one-click coverage at signing, PMCs get continuous verification, carriers get net-new distribution.

Why: the rental transaction is a largely untapped embedded insurance moment in North America.

Credit

Delivered through our apps · Funded by partner lenders

Verified rent payment history, designed to be reported to the bureaus under an FCRA-aligned furnishment framework. Short-term credit products (deposit financing, move-in smoothing, lease-gap coverage) delivered through VFIntel's apps and funded by partner lenders. VFIntel originates and services; partners supply the capital.

Who: renters get credit visibility, bureaus get a verified stream, lenders get distribution to a thin-file population.

Why: 87% of rent payments currently produce no credit signal.Source: TransUnion, September 2025

Identity

Delivered by VFIntel · Combination of our rail and third-party verification

Continuous KYC / KYB / AML. VFIntel's own verification rail combined with orchestrated third-party document, biometric, and bank checks. One consent flow covers every identity check across the lease lifecycle.

Who: PMCs get fraud prevention, carriers get KYC on new policies, credit partners get underwriting validation.

Why: AI-generated pay stubs and synthetic identities defeat one-time document checks in seconds; continuous verification on real financial movement is a structural answer.

Banking

Orchestrated by VFIntel · Banking-as-a-Service through bank partners

Sponsorship, card issuing, and settlement for the rental economy. VFIntel operates the regulated processor layer on existing payment networks: bank partners hold the license, networks move the money, and VFIntel orchestrates above the rails through our own MSP license or a licensed processing partner. We integrate with what exists rather than rebuilding it.

Who: renters via the Wallet (card issuance, deposit holding, settlement) and partners (card-on-file acceptance, settlement windows).

Why: a renter with twelve months of verified on-time rent has earned banking economics the current system refuses them.

Lease compliance

Delivered by VFIntel · Consent-first data exchange

Verified insurance coverage, rent payment proof, identity status, and lease-event data delivered back into PMS and carrier systems in real time, through one regulated consent flow covering every downstream share.

Who: every party at the lease (PMCs, carriers, bureaus, lenders, renters) reads one verified data layer instead of a dozen vendor feeds.

Why: today each PMS, carrier, and bureau wires up its own integration; VFIntel replaces that with one share.

The consumer product

The Wallet, on top of all five.

The VFIntel Wallet is the consumer surface of everything above. Not a seventh product, but the portable financial identity a renter carries from lease to lease, drawing on all five rails as needed.

See the Wallet Real estate partnerships Financial partnerships

Security posture

Built on regulated rails. Consent-first, by design.

VFIntel runs on the compliance frameworks required for regulated financial infrastructure across payments, insurance, credit, and identity. Foundational, not bolted on.

SOC 2 Type II

Controls audited against the Trust Services Criteria: availability, confidentiality, and processing integrity.

PCI DSS Level 1

Cardholder data environment at the highest PCI merchant tier, with processor oversight under regulated bank sponsorship.

MSB / MTL

Money services and money transmitter licensing in progress across the US state grid and Canadian provincial regime.

FCRA framework

Rent reporting under the Fair Credit Reporting Act: bureau-ready furnishment, dispute handling, and consent flows.

AES-256 at rest

End-to-end encryption for tenant data, with key management separated from compute and keyed-hash cross-domain identifiers.

Consent-first model

One consent flow governs every downstream share, so the renter authorizes once and sees every use.

Start a conversation

Partner access, by invitation.

VFIntel partners with carriers, MGAs, credit providers, PMCs, and software platforms, each through a revenue-shared partnership on our regulated rails. Tell us which product matters most and we will scope the fit.

Book a partnership call Real estate partners Financial partners