Never Worry About Another
Audit Again
Every Vocarity loan automatically creates perfect compliance documentation. Each transaction generates immutable proof of regulatory compliance for seamless audits.
Live Compliance Ledger
Real-time loan review and processing
Compliance Ledger
Every transaction creates cryptographically-secured compliance evidence.
Loan Details
Audit Verification
Created By
Vocarity Automated System
Verified By
Compliance Engine v2.1
Digital Signature
SHA-256: 3f7a2b8c9d1e4f6ab2c5d9e7f1a3b6c8d2e5f9a7b1c4d862f6a9b3c7d1e5f8a
Blockchain Hash
0x7d3e579a208c1d6e4f7a9b2c5d8e1f3a6b9c2d5e8f1a4b7c9d2e6f9a2b5c8d1e
Regulatory Compliance Audit Trail
Loan Origination
Regulation Z (TILA)
APR disclosure provided, payment schedule documented
Credit Decision
ECOA/Regulation B
Fair lending practices verified, no prohibited factors used
Customer Identity Verification
BSA/AML
Customer identification program completed, no red flags
Privacy Notice
GLBA
Privacy notice provided, consent obtained for data sharing
CRA Assessment
Community Reinvestment Act
Loan supports community healthcare access, CRA credit eligible
Compliance Summary
Regulations Covered
Audit Status
How "Born Compliant" Works
Instead of proving compliance after the fact, we build it into every transaction.
Loan Requested
Customer applies for financing
Proactive validation begins immediately
Compliance Check
Automatic regulatory validation
Prevents violations before they happen
Funds Transfer
Payment processed and delivered
Seamless integration with existing systems
Record Created
Compliance evidence generated
Cryptographically-secured, immutable records
Audit Trail
Permanent documentation stored
Records can't be altered or lost
Reporting Updated
Real-time compliance dashboard
Full ledger export in seconds
Drive Revenue Through Community Partnership
Community BNPL creates deeper merchant partnerships while opening new pathways to consumer banking customers through trusted provider relationships.
Strengthen Merchant Relationships
Deeper partnerships with local providers
Expand Consumer Banking Access
Reach new customers through trusted referrals
Diversified Revenue Streams
Essential service demand with growth potential
Ready to See the Numbers?
See exactly how much profit you can make with BNPL loans. Compare returns under different scenarios and understand how merchant contributions boost your bottom line.
Strengthen Merchant Relationships
Deeper partnerships with local providers
Expand Consumer Banking Access
Reach new customers through trusted referrals
Diversified Revenue Streams
Essential service demand with growth potential
Ready to See the Numbers?
See exactly how much profit you can make with BNPL loans. Compare returns under different scenarios and understand how merchant contributions boost your bottom line.
Seamless Integration with Your Existing Systems
Vocarity works with your current infrastructure, however you move money.
The Architecture of a BNPL Loan
Core Banking System
Your existing system
Payment Rails
Your existing infrastructure
StableCompli
Vocarity service providers offering BNPL to their customers
Ready to Transform Your Community Lending?
Learn how Vocarity's born-compliant approach can grow your portfolio while simplifying compliance and strengthening community relationships.
Schedule a Consultation
30-minute personalized session
Get a platform walkthrough, learn how our financial model works, and get answers to any questions about implementation and partnership.