What is Vence
Vence is trust infrastructure for global capital markets — an explainable Decision Platform (Trust Graph, Decision Engine, Policy Engine, and continuous monitoring within contractual scope) for institutions and developers. Business banking, personal founder accounts, Vence Card, Elite rewards, private credit, treasury, and stablecoin payments are downstream surfaces on the same decision layer. Those surfaces are in founder-beta / sandbox design, not general production banking.Institutions and developers use Vence to answer who should receive credit, capital, liquidity, and financial access — with every verdict explainable and auditable. Founders and operators may use the same technology as separate products: business accounts, personal founder accounts, cards, and credit — one trust layer, separate surfaces.
Why teams evaluate Vence
- Decision Platform built for explainable underwriting and access — reason codes, policy version, and model version on every verdict — not a black-box score.
- Short sandbox path — when API access is provisioned, create entities, underwrite, and verify webhooks before any production enablement.
- Platform pricing by conversation — Contact us; no public platform rate card.
- House of finance as surfaces — business banking, founder Elite (planned 6% unlimited), business card (planned 3%), Net-60, Capital, Bill Pay Later, global AR — separate products, same Decision Platform; founder-beta / design partner today.
- Built to integrate with Visa, Mastercard, Plaid, Stripe, bank rails, payroll, and institution stacks (partner-enabled; not all live today).
Two layers, one company
Account and Card are not a side hustle. They demonstrate the infrastructure in sandbox and design-partner programs. Production money movement requires licensed partners, live gates, and program enablement. The infrastructure is still the company.
What makes Vence different
- Unified decision layer + optional money surfaces. Explainable decisions and house-of-finance products share one Trust Graph — not a bolted-on neobank and a separate risk vendor.
- Explainable by default. Every decision returns reasons, policy version, and model version.
- Trust that updates. Payroll, invoices, wallets, bank relationships, and repayments reshape the next verdict where connectors are enabled.
- Sandbox first, then production when enabled. Same API shapes and SDK patterns across environments — graduate when Vence enables live for your program.
- A real founder. Moustapha Thioune — face, track record, and public presence. Not an anonymous shell.
Where should I start?
How Vence works
Trust Graph → Decision Engine → surfaces in plain English.Developer quickstart
Sandbox underwrite path when API access is provisioned.House of finance
Business + founder accounts, Card, Elite, Net-60 — founder-beta.Pricing
Contact us for platform pricing.Brand guidelines
Wordmark, Vence Sans, colors, SVGs — do not alter.Who is Vence for?
- Platforms, lenders, and institutions that need explainable credit and access decisions via API.
- Developers integrating Decision APIs in a short sandbox path, then production when enabled.
- Founders and operators evaluating business banking and personal founder products on the same trust layer — including Elite for founders whose companies bank with Vence (programs invite / design partner today).
- Global businesses that need stablecoin payments and cross-border accounts receivable as corridor coverage expands (roadmap — not a claimed live worldwide footprint).