Vouw

Backing, verified.

Vouw turns trusted support into credit banks can recognize.

Vouw helps borrowers present verified support from family and friends when banks do not yet have enough local credit history.

Join early access See how it works

Good borrowers can be invisible to banks.

Someone who has recently moved country, started studying, or is still building a financial record may need money for something important. The bank sees limited local history. Their family and friends see a person they trust.

Vouw turns that real-world trust into a structured support package a bank can review.

Vouw flow

A clear journey from support request to bank review.

  1. Bank creates a support request

    The bank starts the Vouw request for a borrower who needs verified support.

  2. Vouw creates the secure link

    Vouw generates a secure borrower link and QR code for the support request.

  3. Borrower opens the link

    The borrower opens the link or scans the QR code to begin adding support.

  4. Borrower adds supporters

    The borrower invites family or friends by email or SMS.

  5. Supporters receive invitations

    Each supporter gets a clear invitation to review the request.

  6. Supporters verify identity

    Supporters confirm who they are and choose how they want to support.

  7. Supporters back the request

    They either sign a guarantor agreement or pledge money through a card or payment flow.

  8. Vouw tracks completion

    Vouw monitors supporter progress against the support target.

  9. Bank is notified

    The bank is notified when the support target is met.

  10. Bank sends the loan

    The bank sends loan money directly to the borrower after its lending decision.

Who it helps

Built around borrowers, supporters, and banks.

Borrowers

Invite trusted people when a bank needs more confidence before lending.

Supporters

Verify identity, understand the responsibility, and choose whether to sign or pledge.

Banks

Review verified backing without building a cross-border supporter workflow themselves.

First MVP

Guarantor-first, simple enough to trust.

The first version focuses on guarantor e-signature support. Later phases may include money pledges, card authorization, open banking, and automated collateral calculations after legal and compliance review.

Important

Vouw does not provide loans and does not guarantee credit approval. The bank remains responsible for lending decisions and sends loan money directly to the borrower.

A record that can travel with the borrower.

Over time, every support-backed loan a borrower repays can help build a clearer record of reliability. The aim is a calmer path into credit for people whose trust network is stronger than their local credit file.

Early access

Help shape Vouw with real lending workflows.

Banks, lenders, and partners can join the early access list while the product is under development.