About

Built for Pacific-Australian families

VakaLink exists because “thin file” credit assessments can erase years of real-world financial responsibility — especially where remittances are a core part of family life.

Fatongia (for non-Pacific audiences)

Fatongia is often described as mutual obligation within family and community — a cultural value that shows up as consistent support, careful planning, and follow-through. VakaLink treats these patterns as signal — not as stigma — when translated into lender-readable proof.

Research context

Financial inclusion and migration economics literature consistently highlights gaps between lived financial behaviour and formal credit visibility. For public-facing references, see work from the ANU Development Policy Centre and related ANU Crawford School publications on migration, remittances, and inclusion.

Roadmap

Phase 1 — Credit Passport: a credible artefact, transparent metrics narrative, and demo-ready verification story.
Phase 2 — payment rails: deeper integrations that improve signal quality while preserving privacy boundaries.
Phase 3 — credit bureau integration: pathways for lender ecosystems to consume verified summaries responsibly.

Technology partner

Delivery partner: Ryujin Group — engineering and product implementation for the Phase 1 demo and marketing site.

Try the demo How it works

Want to go deeper? Start with the explainer.