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FAQ

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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 to discuss.

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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.

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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.

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How do I start?

1. Contact us or use an invite to open Console.
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 for commercial terms.

See Quickstart. Intended API hostnames are documented there; they are founder-beta / coming online, not public live DNS to assume today.

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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.

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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, Account, and Elite.

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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.

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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.

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Who founded Vence?

Moustapha Thioune — founder and trader, Toronto. See Founder, LinkedIn, X @mthioune_.

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How much does the platform cost?

Contact us for platform pricing. There is no public platform rate card. Sandbox evaluation is available when access is provisioned.