Two ratings, side by side
The bureau scores the past. We grade the rent.
In the demo, the renter's screen reads: the bureau scores you 712, and our own grade from your verified rent history is Tier A. When the two disagree, the engine prices from the more recent verified grade and shows both. For the renter with a thin file and years of on-time rent, that sentence is the whole product.
Every rate carries its dollar cost on the actual amount before the renter confirms. No rate ships without the math next to it.
Standing over 24 months, illustrative
Twenty-four months of verified on-time rent, invisible to the bureau file, visible to the program. Derived and drawn live in the wallet's dashboard.
Risk-based pricing, competed
Two lenders, one renter, different answers.
Lenders publish rate cards; renters see competing offers with the total cost of credit in dollars. The program lender prices on the verified rent history the bureau cannot see, and wins on that information.
VFIntel program lender
Partner lender on the bureau file
For the bureau
Furnishment-ready, consent-gated.
The bureau seat reads month-by-month rent history for exactly the renters who consented, and loses them the moment consent is revoked. The framework is FCRA-aligned and designed to be reported; bureau partnerships are in development.
On the banking side, the rails console shows settled volume by route, the program trust with per-beneficiary subaccounts, and risk telemetry, with no renter identity anywhere in the stream.
The boundary, enforced
The bureau sees consented rent signals and its own furnished scores. It never sees the VFI grade. The boundary is code, and the admin console renders it from that code, so the screen cannot drift from the rule.
What you can do today
Every claim above has a live screen behind it.
- See the two ratings side by sideThe bureau score and the VFI rent grade on one screen, with the rate each one earns.See it live →
- Compare competing offersRate cards competed in the open, with total cost of credit in dollars before the renter confirms.See it live →
- Open the furnishment-ready historyMonth-by-month verified rent, consent gated, designed to be reported under an FCRA-aligned framework.See it live →
- Sit in the bureau seatConsented records only; revoke a consent in the wallet and watch the record drop from the seat.See it live →
- Read the bridge economicsThe pay-day bridge rate, available credit, and fee, shown to the renter before confirming and to the issuer view in full.See it live →
- Open the rails consoleSettled volume by route, the program trust panel, and interchange telemetry, with no renter identity in the stream.See it live →