> ## Documentation Index
> Fetch the complete documentation index at: https://docs.vence.one/llms.txt
> Use this file to discover all available pages before exploring further.

# Faq

# FAQ

## What is Vence? Is it a fit for my use case?

Vence is **trust infrastructure for global capital markets** — explainable credit, risk, and access decisions via a Decision Platform (Trust Graph, Decision Engine, Policy Engine, monitoring). House-of-finance products (business banking, founder accounts, Card, Elite, Net-60 credit, payments) are **downstream surfaces** on the same trust layer, currently in **founder-beta / design-partner** programs. Fit depends on whether you need explainable, auditable decisions (and optionally those surfaces). [Contact us](https://vence.one/contact) to discuss.

## Is Vence a bank or a neobank?

No. Vence is **trust infrastructure** — a Decision Platform. Business banking, personal founder accounts, Card, and credit are **separate products** that demonstrate and distribute that platform. Same technology. Different surfaces. They are not general production banking offers today.

## How is Vence different from Stripe or Plaid?

Stripe and Plaid move or connect money and data. Vence answers **who should receive credit, capital, liquidity, and access**, with explainable, auditable decisions. Vence is built to **integrate with** Stripe, Plaid, Visa, Mastercard, and bank rails — not to pretend those layers do not exist. Those partners are complements; not all integrations are live today.

## How do I start?

1. [Contact us](https://vence.one/contact) or use an invite to open [Console](https://console.vence.one).
2. When API access is provisioned, create a **sandbox** API key, create an entity, underwrite, and verify webhooks.
3. Graduate to a **live** environment when Vence enables production for your program.
4. [Contact us](https://vence.one/contact) for commercial terms.

See [Quickstart](/developers/quickstart). Intended API hostnames are documented there; they are **founder-beta / coming online**, not public live DNS to assume today.

## What cashback does Vence offer?

Planned program design (rules TBD; not live general availability):

* **3%** on qualifying **business** spend (Vence Card).
* **6% unlimited** on **Vence Elite** for founders whose companies bank with Vence.

## What about business and personal founder accounts?

**Business banking** for the company and **personal founder accounts** (including Elite) are separate products on the same Decision Platform — currently **founder-beta / design partner**, not general production banking. See [Business banking](/surfaces/business-banking), [Account](/surfaces/account), and [Elite](/surfaces/elite).

## Do you offer Net-60 and Bill Pay Later?

Net-60 Card, Capital, Bill Pay Later, Pay Over Time, and Liquidity are part of the house of finance design, all **decision-gated** when enabled. Commercial terms and availability: [Contact us](https://vence.one/contact).

## Do you support global payments?

Vence is building stablecoin payments and cross-border accounts receivable with **expanding corridor coverage**. Do not assume a live **170+ country** footprint today — treat worldwide reach as roadmap unless your program terms say otherwise.

## Who founded Vence?

**Moustapha Thioune** — founder and trader, Toronto. See [Founder](/overview/founder), [LinkedIn](https://www.linkedin.com/in/moustapha-thioune-226079201/), [X @mthioune\_](https://x.com/mthioune_).

## How much does the platform cost?

**[Contact us](https://vence.one/contact)** for platform pricing. There is no public platform rate card. Sandbox evaluation is available when access is provisioned.