How it works

Create your account and give consent

You choose your province first. Quebec residents see seven individual consents, one per data source, in plain language (Law 25). Everyone else sees three clear consent groups. You can decline any source.

Connect and upload

Link your bank account securely, and upload documents: Notice of Assessment, landlord or employer letters, pay stubs, licences, foreign credit reports. AI-assisted reading extracts the facts; low-confidence documents go to human review.

21 cross-validations run

Every pair of data categories is checked against each other — stated rent vs. actual bank debits, deposits vs. declared income, licence vs. employment dates. Each check is deterministic, logged, and auditable.

Your evidence package is issued

A signed PDF + JSON package: SHA-256 hashed, digitally signed, 90-day validity, with a QR code any lender can scan to verify it live — tamper-evident by construction.

What we don’t do

We don’t replace Equifax or TransUnion — a consented bureau pull is part of every package. We don’t use AI to score you — the evidence score is a transparent, expert-assigned rules system, labelled as such. We don’t claim access to CRA systems — you provide your NOA and we verify it.