Explainer
How VakaLink works
VakaLink is designed to turn long-running remittance behaviour into a lender-readable signal — without asking families to surrender sensitive transaction detail in the process.
Credit Passport (Phase 1)
A Credit Passport is a verification-first summary: it communicates consistency, diversity, and discipline across remittance behaviour — in a format lenders can use alongside existing policies and responsible lending checks.
The six Vaka-Score metrics
Remittance Velocity
How consistently you send money
Duration of Management
Years of remittance history
Counterparty Diversity
Range of verified recipients
Seasonality Precision
Consistency during high-cost periods
FX Cost Efficiency
Reasonableness of transfer methods used
Remittance to Income Ratio
Proportion of income sent home
Zero-knowledge framing (plain English)
In the demo, we animate “scanning” and “scoring” to show the experience — but the product intent is simple: lenders see your score. Not your data. Ever. Raw receipts and personal identifiers are separated from what gets shared for verification.
Security (target architecture)
- AES-256 at rest (for stored artefacts, where applicable)
- TLS 1.3 in transit
- Strong separation between scoring artefacts and long-term identity data
FAQ
›Is this a credit score from a bank?
No. The VakaLink demo illustrates a complementary signal based on remittance behaviour. Lenders would apply their own policies and verification processes.
›Do you share my receipts with lenders?
The demo emphasises a verification-first posture: the passport and QR verification narrative is designed around sharing a score summary — not raw transaction records.
›Will lenders accept this?
Adoption is a partnership journey. Phase 1 focuses on a credible, transparent artefact and a clear audit story; bureau and lender integrations are staged for later phases.
Ready to see the flow?
The guided demo takes about a minute — optimised for phones and laptops.