Everything the system does

One record. Six regulated functions. All of it live.

VFIntel is one vertically integrated system: the payments, insurance, credit, identity, banking rails, and lease accounting behind a lease, running against a single connected record. Every capability on this page is working in the demo right now, and every row links to the screen that proves it.

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regulated functions connected in one workflow at the lease event
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live seats on one shared dataset: renter, property manager, carrier, broker, bureau, bank, and the master console
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permission layer deciding what every seat is allowed to see, enforced in code

The vertical stack

Six functions, one workflow.

Read down the stack the way the money and the data actually move. Each row is a working capability with a door into the live demo.

01

Identity

Verify once, at the wallet. Every other function prices, approves, and clears from the same verified facts.

  • Verified identity recordIdentity, income signals, and payment history verified once and carried into every application after it.See it live →
  • Issued account at onboardingEvery renter leaves onboarding with a wallet and an issued payment account; the issuance story plays on first entry.See it live →
  • Live consent ledgerEvery grant and every access logged where the renter, the partner, and the regulator conversation can all read it.See it live →
  • Data boundaries from codeWhich facts each seat gets by default, with consent, or not at all, rendered straight from the enforcement code.See it live →
02

Payments

One bundled payment on bank rails: rent to the property manager, premium to the carrier or broker, in a single mandate.

  • Bundled rent and premiumRent and the insurance premium collect in one payment on the same gateway; each leg settles to its own party.See it live →
  • Pay-day bridgeThe renter moves their payment day to match their pay day; the lease due date holds and the landlord sees rent on the first. The gap is a priced credit bridge.See it live →
  • Caps and controlsSpending caps and payment controls set by the renter, visible on the bills screen before anything moves.See it live →
  • Split paymentsRoommates split the same bundled payment; the property manager still receives one clean settlement.See it live →
03

Insurance

The offer lands at the lease moment, priced on verified facts, with the renter's free choice on the screen in writing.

  • Embedded offer with real choiceUp to three carriers priced and compared at lease signing, plus a plain written opt-out the renter can take.See it live →
  • Application prefilled from sourceUnit facts arrive verified from the property manager's records; the renter confirms instead of retyping.See it live →
  • Policy home in the walletCoverage, documents, and claims live where the renter already pays rent; claim payouts land in the wallet.See it live →
  • Carrier seatConsented signals for pricing, the submissions inbox, the bound book, and premium collections on bank rails.See it live →
  • Broker deskPrefilled submissions, three settlement paths, and collections that ride the rent mandate.See it live →
04

Credit

Verified rent behavior becomes a grade, the grade becomes a rate, and every rate ships with its dollar cost.

  • Two ratings, side by sideThe bureau score and the VFI rent grade on one screen, with the rate each one earns.See it live →
  • Competing offersLenders publish rate cards; the renter compares total cost of credit in dollars before confirming.See it live →
  • Rent reportingFurnishment-ready rent history, consent gated, designed to be reported under an FCRA-aligned framework.See it live →
  • Bridge economics in the openThe pay-day bridge shows its rate, available credit, and fee before the renter confirms; the same numbers surface in the issuer view.See it live →
05

Banking and rails

Program funds sit in trust at a sponsor bank. The rails console shows the money moving without a renter's name anywhere in the stream.

  • Settled volume by routeEvery settlement path in one console: bank rails, on-us transfers, and network-path card payments.See it live →
  • Program trust panelPer-beneficiary subaccounts at the sponsor bank; VFIntel administers the funds and cannot spend them.See it live →
  • Interchange telemetryOn-us settlements measured against the card path, so the fee that was not incurred is a number, not a claim.See it live →
  • Risk telemetry, de-identifiedThe event feed carries rails events and risk signals with no renter identity in the stream.See it live →
06

Accounting and lease compliance

The property side runs on the same record: rent roll, working books, coverage compliance, and write-back to the PMS the manager already runs.

  • Portfolio consoleRent roll, listings, verified applications, maintenance, and coverage status in one seat.See it live →
  • Double-entry booksChart of accounts, auto-posted rent and maintenance, reports, owner statements, and reconciliation that flags mismatches.See it live →
  • PMS write-backUnit facts flow in and coverage status writes back to the property management platform of record.See it live →
  • System dashboardThe master console: the whole world at a glance, with the boundary explorer and consent ledger behind it.See it live →
  • Guided demo pathEleven stops through the whole story, one plain sentence per stop, built for driving meetings.See it live →

By stakeholder

The same record, read from your chair.

Six parties sit around a lease. Here is what each one gets from the connected record, phrased for the person who will use it.

Renters

One wallet for the whole lease

  • Verify once, reuse everywhere. Identity and income proven one time, carried into every application. Open →
  • One payment covers rent and coverage. Rent and premium collect together on bank rails. Open →
  • Move your payment day. The credit bridge covers the gap at a stated rate; the landlord still sees rent on the first. Open →
  • Real insurance choice, in writing. Up to three offers plus a plain opt-out on the same screen. Open →
  • Two ratings, honest rates. The bureau score next to the rent grade, each with its price in dollars. Open →
  • Rent history that counts. On-time rent reported on your consent, revocable any time. Open →
Property managers and developers

Rent that arrives, books that post themselves

  • Applications arrive verified. Identity, income signals, and payment history checked before you open the file. Open →
  • Rent on the first, every unit. Whatever day the renter actually pays, your side sees the due date met. Open →
  • Working double-entry books. Auto-posted ledger, reports, owner statements, reconciliation. Open →
  • Coverage compliance without chasing. Unit-level coverage status, summary only, updated as policies bind and lapse. Open →
  • Your PMS stays your system. Facts flow in, status writes back; nothing asks you to switch platforms. Open →
  • Maintenance on the same record. Requests, status, and cost posting to the same books. Open →
Insurance carriers

Distribution at the lease moment

  • Chosen when it matters. Your offer sits on the screen at lease signing, priced and compared. Open →
  • Priced on verified facts. Consented signals from the record instead of self-reported forms. Open →
  • Premiums on bank rails. Collections ride the rent mandate; the card fee is not incurred on the default path. Open →
  • Claims paid into the wallet. One click from the carrier seat to a payout the renter sees immediately. Open →
  • Audit against the source. Check what a broker submitted against the verified record it came from. Open →
  • Read the boundary yourself. The data rules your underwriters must trust, rendered from the code that enforces them. Open →
Insurance brokers

Cleaner submissions, settled premiums

  • Submissions prefilled from source. Verified unit facts land in the application before anyone retypes them. Open →
  • Three settlement paths. Direct to carrier, through your desk, or broker bill; the placement decides. Open →
  • Persistency like rent. Premiums collect when rent collects, on the same mandate. Open →
  • The honest offer screen. Three offers plus a written opt-out; a book a regulator and a carrier can both live with. Open →
  • Your book in one desk. Placements, collections, and the audit trail carriers trust. Open →
Credit and bureaus

The file the bureau cannot see

  • Rent behavior as a priceable grade. Verified monthly history the bureau file does not carry. Open →
  • Win on information. Competing offers where the program lender prices on the rent history and takes the business. Open →
  • Furnishment-ready history. Consent-gated, month-by-month, designed to be reported under an FCRA-aligned framework. Open →
  • The bureau seat, live. Consented records only, dropped the moment a renter revokes. Open →
  • Bridge revenue in the open. The pay-day bridge rate, available credit, and fee, visible to renter and issuer alike. Open →
Banks and rails

A program book you can read

  • Settled volume by route. Bank rails, on-us transfers, and card-network paths in one operations view. Open →
  • Trust with subaccounts. Program funds per beneficiary at the sponsor bank; the administrator cannot spend them. Open →
  • Interchange telemetry. The on-us path measured against the card path, transaction by transaction. Open →
  • Risk signals without identity. The event feed carries every asset movement with no renter name in the stream. Open →
  • The boundary, in code. What the bank seat can and cannot see, rendered from the enforcement layer. Open →
Walk it end to end → Back to the demo floor

Partner sign-in

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Contact robert@vfintel.com for access.