Credit Passport — Phase 1 demo
Years of sending money home. Finally recognised.
VakaLink turns your remittance history into a Credit Passport — giving Australian lenders proof of your financial character.
The gap
1 in 3 Pacific-Australian families are denied credit despite years of consistent financial responsibility.
What banks see
A thin credit file — little traditional history to score against.
What VakaLink sees
Years of remittance, consistency, and family commitment — translated into lender-ready proof.
How it works
Three steps. One story.
01
Upload your receipts
Bring Western Union slips, MoneyGram receipts, or bank transfer records.
02
VakaLink calculates your Vaka-Score
Six metrics summarise remittance strength — built for lender confidence.
03
Download your Credit Passport
Share a verification-first summary with lenders — not your raw transactions.
Vaka-Score
A score built for remittance reality.
The demo animates from 300 to 724 — the same behaviour you will see in the guided flow.
Illustrative demo score
Remittance Velocity
25%Duration of Management
20%Counterparty Diversity
15%Seasonality Precision
15%FX Cost Efficiency
13%Remittance to Income Ratio
12%Fatongia — the cultural obligation to support your family — is not a financial burden. It is proof of character.
Try the demo
Walk through a sample receipt, a scanning animation, a Vaka-Score calculation, and a printable Credit Passport.