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How Vence works

Vence does one core job: turn fragmented financial reality into explainable trust, then use that trust to authorize access, credit, cards, and capital.

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Decision Platform

  1. Ingest — Entities, identity links, consents, transactions, and feature snapshots.
  2. Graph — People, businesses, institutions, accounts, wallets, and relationships with evidence.
  3. Decide — Underwrite and access decisions with verdict, limits, reasons, and versions.
  4. Monitor — Material changes re-enter policy (payroll stops, velocity spikes, revenue decline).
  5. Control — Pause draws, reduce limits, restrict spend — within Vence’s contractual scope.

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House of finance

Surfaces do not invent their own risk brain. They call the same platform. Today these products are founder-beta / design partner — they demonstrate the platform; they are not general production banking:
  • Business banking and bill pay
  • Vence Card (planned 3% business cashback) and Elite (planned 6% for founders)
  • Net-60, Capital, Bill Pay Later, Pay Over Time, Liquidity
  • Stablecoin payments and cross-border AR with expanding corridor coverage (roadmap)

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For developers

The public path is intentionally short (when API access is provisioned):
  1. Create an API key in Console.
  2. Create or retrieve an entity.
  3. Attach identity / cashflow signals.
  4. Call underwrite.
  5. Fulfill on webhooks and audit the decision record.
See Quickstart.