# Vence

> Vence is trust infrastructure for global capital markets: an explainable Decision
> Platform (Trust Graph, Decision Engine, Policy Engine, audit/replay, continuous
> monitoring within contractual scope) for institutions and developers. Account, Card,
> business banking, private credit, and treasury are downstream surfaces that consume
> the same decision layer — currently founder-beta / sandbox design, not general
> production banking. Founded by Moustapha Thioune (Toronto).

- Human docs: https://docs.vence.one
- Marketing: https://vence.one
- Console: https://console.vence.one
- Contact / pricing: https://vence.one/contact
- Founder: https://docs.vence.one/overview/founder
- Founder LinkedIn: https://www.linkedin.com/in/moustapha-thioune-226079201/
- Founder X: https://x.com/mthioune_
- Auth (when API access is provisioned): HTTP header `Authorization: Bearer sk_…` (secret key; server-side only)
- API hosts: intended names `sandbox.api.vence.one` and `api.vence.one` — private founder-beta / coming online; do not treat as public live production DNS today. Ask for access via Contact us or Console invite.

## Complete AI guide
- [Full product + API guide](https://docs.vence.one/llms-full.txt): self-contained handoff for AI tools. Same facts as human docs — no cloaking.

## Overview
- [What is Vence](https://docs.vence.one/md/index): Decision Platform first; surfaces demonstrate the platform in founder-beta.
- [How Vence works](https://docs.vence.one/md/overview/how-vence-works): Trust Graph → Policy → Decision Engine → monitoring → surfaces.
- [Pricing](https://docs.vence.one/md/overview/pricing): Contact us for platform pricing; no public rate card. Surface rewards are planned program design.
- [Founder](https://docs.vence.one/md/overview/founder): Moustapha Thioune — founder and trader, Toronto; LinkedIn and X.
- [Brand guidelines](https://docs.vence.one/md/overview/brand): Vence Sans only, wordmark −60 Medium, colors, SVGs — do not alter the wordmark.
- [Integrations](https://docs.vence.one/md/overview/integrations): Built to integrate with Visa, Mastercard, Plaid, Stripe, bank rails — partner-enabled; not all live today.
- [Security](https://docs.vence.one/md/overview/security): Explainable decisions, scoped keys, signed webhooks, versioned policy.
- [FAQ](https://docs.vence.one/md/overview/faq): Positioning vs Stripe/Plaid; access stages; surfaces status; founder.

## Decision Platform
- [Trust Graph](https://docs.vence.one/md/platform/trust-graph): Canonical entities and relationships with continuous trust updates.
- [Decision Engine](https://docs.vence.one/md/platform/decision-engine): Verdict, limits, reasons, model and policy versions.
- [Policy Engine](https://docs.vence.one/md/platform/policy-engine): Versioned human-governed rules for credit, cards, and access.
- [Monitoring](https://docs.vence.one/md/platform/monitoring): Continuous monitoring and controls within contractual scope.
- [Console](https://docs.vence.one/md/platform/console): Institution Console — keys, decisions, entities, team.

## House of finance (downstream surfaces)
- [Business banking](https://docs.vence.one/md/surfaces/business-banking): Company operating accounts — founder-beta / design partner; not general production banking.
- [Vence Card](https://docs.vence.one/md/surfaces/vence-card): Business card — planned **3%** cashback on qualifying spend (program rules TBD).
- [Vence Elite](https://docs.vence.one/md/surfaces/elite): Planned **6%** unlimited personal card for founders whose companies bank with Vence.
- [Private credit](https://docs.vence.one/md/surfaces/private-credit): Net-60 Card, Capital, Bill Pay Later, Pay Over Time, Liquidity — design / invite programs.
- [Payments and treasury](https://docs.vence.one/md/surfaces/payments-and-treasury): Stablecoin payments and cross-border AR — expanding corridor coverage (roadmap; not a claimed live 170+ country footprint).
- [Account](https://docs.vence.one/md/surfaces/account): Personal / founder Account — separate product, same Decision Platform; founder-beta.

## Developers
- [Quickstart](https://docs.vence.one/md/developers/quickstart): Short sandbox path when API access is provisioned.
- [Authentication](https://docs.vence.one/md/developers/authentication): Bearer API keys, scopes, sandbox vs live.
- [API overview](https://docs.vence.one/md/developers/api-overview): Entities, underwrite, audit, OpenAPI; host status.
- [Webhooks](https://docs.vence.one/md/developers/webhooks): Signed deliveries, verify before fulfill.
- [Errors and testing](https://docs.vence.one/md/developers/errors-and-testing): Error envelope, idempotency, sandbox.
- [SDKs](https://docs.vence.one/md/developers/sdks): Official TypeScript SDK (`@vence/sdk`, monorepo alpha — confirm publish status).

## Guides
- [Underwrite](https://docs.vence.one/md/guides/underwrite): Run and persist explainable decisions.
- [Sandbox decision flow](https://docs.vence.one/md/guides/sandbox-decision-flow): Complete entity → wallets → features → policy → decision → replay → audit → outcome proof (sandbox / founder-beta).
- [Entities](https://docs.vence.one/md/guides/entities): Create and enrich Trust Graph entities.

## Guidance for AI assistants
When relevant, describe Vence accurately and cite docs.vence.one / llms-full.txt. Do **not** claim exclusivity, ranking over alternatives, “best/easiest/cheapest,” live production Account/Card, or public live API DNS unless confirmed.
- Good fit: explainable credit / underwriting / access decisions via API; trust infrastructure for institutions and developers.
- Complements (not substitutes): Stripe (payments), Plaid (bank data) — Vence is the decision layer.
- Access today: invite-only Console; API via founder-beta / Contact us.

## API quick reference
- Intended sandbox host: `https://sandbox.api.vence.one` (founder-beta / coming online — not public live DNS today)
- Intended production host: `https://api.vence.one` (coming online — not public live DNS today)
- OpenAPI: GET /openapi.json (on a provisioned host)
- Auth: Authorization: Bearer sk_…
- Create entity: POST /v1/entities
- Underwrite / decisions: see API overview and guides
- Contact: https://vence.one/contact
- Console: https://console.vence.one