VFIntel

Financial partners

Reach the renter at the exact moment they need your product.

VFIntel connects everyone involved in a lease through one shared record. Insurers, credit companies, credit bureaus and payment networks each connect to it and see just their own piece, with the renter's permission.

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Who we work with

What each partner gets from the same record.

Insurer and broker

  • A service you cannot buy at any price today: the customer, verified and consenting, at the moment the lease requires insurance, not months after the move.
  • The half of the market you lose today, finally visible: who was offered a policy and said no, what they bought instead, and which lease rule keeps failing.
  • At claim time, you get what was true on the day of the loss (the lease, the insurance, the deposit, the payments) in one answer instead of a week of phone calls.
  • Priced on the actual home and rent, collected along with the rent, and checked so the policy stays in force.
  • Reach renters who have no tenant insurance today, right where they already pay their rent.
  • New products that exist because the renter is verified continually: identity, deposit, rent default and damage warranties, sold through VFIntel and backed by you.

Credit company

  • Price the person from rent that just arrived, not from an average.
  • Twelve months of verified rent is the one thing a fake identity cannot produce.
  • Offers made the moment the record shows the renter can afford them.

Credit bureau

  • A new entry on the credit report for the biggest bill people pay, added with the renter's permission.
  • Most rent is reported nowhere today. This changes that, one lease at a time.
  • Every entry traceable to a payment that moved through the regulated banking system.

Payments network

  • Rent, the largest monthly payment most people make, moves on your network instead of cheques and wires.
  • One payment split three ways, to landlord, insurer and utility, with records that balance automatically.
  • Every payment carries proof of who paid, which is the part today's rent payments lack.

Why now

Paper documents used to prove trust. AI can now fake them for free.

For a hundred years nobody trusted the person. They trusted the documents, because documents were hard to fake. In the last eighteen months a perfect pay stub, a perfect reference and a perfect fake identity came to cost nothing.

500%rise in fraudulent documents made with AI, April to December 2025 (Snappt)
93%of apartment operators hit by application fraud in one year (NMHC, 2024)
87%of rent goes unreported to any credit bureau (TransUnion, 2025)
A wall of paper documents dissolving into particles

No single company can fix this alone.

Each one is licensed to see just one piece of the picture. Put the six pieces together and you get one record none of them could see alone.

Six frosted towers with coloured caps, six light streams converging into one cube Payments Insurers Credit Identity Banks Property offices

The one thing AI cannot counterfeit

Money that actually moved.

We record it as the payment moves through the banking system, with the renter's permission to share it. Twelve months of rent leaving a real account is proof a fake identity cannot produce. It costs real money over real time.

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Why a company, not an AI

Six licensed jobs, held by one company.

AI cannot sign an agreement with a bank, hold a licence, or move a dollar. VFIntel holds payments, banking, insurance, credit, identity and rental rules under one roof, so a partner signs once and reaches everyone in the lease. Every action is checked first, and when the answer is no, you get the reason and the proof with it. We run checks on ourselves all the time, and would rather show you an honest gap than a clean-looking report.

PaymentsBankingInsuranceCreditIdentityRental rules
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Where we are

VFIntel is built and running on test data. We open to property managers and their renters in Q4 2026.

We are taking names now. When we open in your area, a person calls you. No countdown, no pretending.

Talk to us

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