Each product sits inside the same regulated middleware. Some run on VFIntel's own licences. Others are delivered through VFIntel's apps with partner institutions behind them - assembled, orchestrated, and presented under one spine.
01
Payments
Delivered by VFIntel · Licensed processor on existing networks
Regulated money movement for rent, deposits, broker fees, and insurance premiums across North America. VFIntel operates as the licensed processor on top of existing payment network infrastructure - MSB / MTL licensing in our own stack, PCI DSS Level 1 on every card surface. Final certification sequences with the seed round.
Who uses it: renters paying rent, PMCs collecting rent, carriers receiving premium, bureaus receiving verified payment signal. Why it matters: every rent payment becomes a continuous verification event every other product can plug into.
02
Insurance
Delivered through our apps · Underwritten by carrier partners
Embedded renters' insurance that attaches at the lease moment - the regulatory point where coverage is required. Carrier-grade distribution through a single policy administration integration, replacing twelve to twenty fragmented broker relationships. VFIntel is the distribution surface; carrier partners underwrite.
Who uses it: renters (one-click coverage at lease signing), landlords and PMCs (continuous insurance verification), carriers (net-new distribution channel with lease-moment conversion). Why it matters: the rental transaction is the largest untapped embedded insurance moment in North America.
03
Credit
Delivered through our apps · Funded by partner lenders
Verified rent payment history reported directly 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 is the origination and servicing surface; lending capital comes from partners.
Who uses it: renters (credit visibility and short-term products), bureaus (new verified data stream), lenders (embedded distribution channel to a thin-file population). Why it matters: 96.5% of rent payments currently produce no credit signal.
04
Identity
Delivered by VFIntel · Combination of our rail and third-party verification
Continuous KYC / KYB / AML. VFIntel's own continuous verification rail, combined with orchestrated third-party identity checks for document, biometric, and bank validation. One consent flow covers every identity check across the lease lifecycle.
Who uses it: landlords and PMCs (fraud prevention at application and throughout the lease), carriers (KYC on new policies), credit partners (underwriting validation). Why it matters: AI-generated pay stubs and synthetic identities defeat one-time document checks in under sixty seconds; continuous verification on real financial movement is the only structural answer.
05
Banking
Orchestrated by VFIntel · Banking-as-a-Service through bank partners
Sponsorship, card issuing, and settlement for the rental economy. VFIntel is the regulated processor layer sitting on top of existing payment network infrastructure - bank partners hold the banking licence, networks move the money, VFIntel becomes the orchestrator above the rails through our own MSP licence (Member Service Provider, the card-network processor designation) or a licensed processor partner. Either way, we integrate with what already exists rather than rebuilding it.
Who uses it: renters via the Wallet (card issuance, deposit holding, settlement), partners (card-on-file acceptance, settlement windows). Why it matters: a renter with twelve months of verified on-time rent has earned banking economics the current system refuses to give them.
06
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 - one regulated consent flow covering every downstream data share across the rental workflow.
Who uses it: every party at the lease (PMCs, carriers, bureaus, lenders, renters) reading the single verified data layer instead of reconciling a dozen vendor feeds. Why it matters: today every PMS, every carrier, every bureau wires up a different integration for a different piece of lease data; VFIntel replaces that fragmentation with one share.