Cooperative financing, automated for U.S. scale.
The Brazilian consórcio system processes 13 million members on infrastructure built decades ago. We are bringing the same model to the U.S. with the technology stack the original system never had: patent-pending AI underwriting, open-by-default APIs, and an audit trail that meets U.S. consumer-finance regulatory requirements.
WHAT RUNS THE PLATFORM
Six layers, each a specific guarantee.
Six layers, each designed around a specific guarantee we owe members: fairness, transparency, fund safety, and operational integrity.
The Savings Score AI engine
A proprietary scoring model that ranks members for voucher selection based on contribution behavior, savings discipline, and engagement signals, never on credit score, race, gender, age, national origin, or any ECOA-protected attribute. The engine is trained, audited, and continuously monitored for fairness.
The trust ledger
Every contribution, voucher, and obligation is recorded in an append-only ledger reconciled daily against the trust account at US Bank. The ledger is the system of record for member positions; Jackson Hole Trust Company independently verifies balances.
Behavioral fraud detection
Cross-cluster behavioral analysis identifies coordinated inauthentic activity, contribution-pattern anomalies, and account-takeover signals, all aggregate, never individual-credit-decisioning. The fraud layer protects member contributions without touching protected-class attributes.
Open-by-default APIs
OpenAPI 3.1 spec, JSON-LD knowledge dataset, and Model Context Protocol (MCP) endpoints are all publicly available. AI agents and crawlers can read canonical content as data without scraping the rendered HTML.
Retrieval-grounded AI
The platform is built to explain the model, run personalized math, and answer questions in plain English (and Portuguese, Spanish). It runs on Vertex AI with retrieval-grounded answers, so it never makes up fees, rates, or eligibility.
Transparent by design
Every member can audit their own contribution history, voucher position, and Savings Score factors at any time. Every fee is disclosed before enrollment. The platform is built on the principle that transparency is the cheapest fraud-prevention tool any cooperative can deploy.
DEFENSIBLE IP
Patent-pending technology built on top of a 60-year-old market.
2
Granted U.S. patents
1
Pending USPTO application
13M
Members proven abroad
3
Languages supported
Two granted U.S. patents cover the savings-score AI architecture and behavioral-underwriting methodology, granted by the USPTO. One pending USPTO application covers additional methodology for cooperative-financing risk modeling, in examination at the USPTO. The original Brazilian consórcio system was built before AI, before behavioral analytics, and before regulatory frameworks like ECOA, GLBA, and FCRA existed. We are bringing the model to the U.S. with the technology and compliance scaffolding it always deserved.
FAIRNESS COMMITMENT
ECOA-strict from day one.
The Savings Score uses an explicit feature allowlist. Every input the model sees is documented, justified, and reviewed for disparate-impact risk before it lands in production. The model never sees credit score, race, gender, age, national origin, or any other ECOA-protected attribute. Period.
- We monitor the model continuously for fairness drift across geography, asset class, and contribution behavior.
- The audit trail is end-to-end; every feature reaching the scoring engine is reviewable.
- The methodology is reviewed by external counsel as part of our compliance program.
Want to go deeper?
Read the white papers, browse the public APIs, or talk to the team behind the platform.