Inverite Insights Stock Price, News & Analysis

Inverite Insights Inc. (OTC Pink: INVRF), referred to as "Inverite," is a Vancouver-based, AI-driven software provider that focuses on real-time financial data and Holistic Financial Intelligence for the alternative credit economy. The company is listed on the Canadian Securities Exchange under the symbol INVR and on the Frankfurt Stock Exchange under the symbol 2V00. Inverite states that it empowers businesses and credit facilitators to transact more effectively with consumers by using real-time financial data and artificial intelligence.

According to company disclosures, Inverite specializes in real-time financial data and what it describes as Holistic Financial Intelligence for the alternative credit economy. Its platform and data assets are built around a large and growing database of Canadian consumer financial transaction data. Various company releases note that Inverite has accumulated tens of billions of financial data points from millions of unique Canadian consumer transactions, and that it transacts with a significant number of consumers each month who are seeking credit.

Inverite positions itself as an AI-driven software provider serving the alternative credit and non-prime lending markets. The company highlights that its solutions are used by alternative lenders, private mortgage lenders, Mortgage Investment Corporations (MICs), and other credit facilitators in Canada. Inverite’s disclosures emphasize the role of its technology in helping lenders evaluate credit-seeking consumers, particularly in segments where traditional credit bureau information may be limited or less informative.

Business focus and technology

The company describes its core business as providing software and data products that use real-time financial data and AI-driven analytics to support credit decision-making. Inverite refers to its offering as an Open Banking Platform and as a source of Holistic Financial Intelligence. It reports that its platform is used in lender adjudication processes to increase loan approval throughput, support more efficient funding of loans, and help reduce defaults by improving risk assessment.

Inverite’s communications reference a proprietary, AI-driven, cash flow-based Risk Score, as well as a product called Bank Verify. The company states that its Risk Score utilizes bank transaction data and cash flow information, layered with loan performance data, to support automated risk scoring for non-prime and alternative lenders. Bank Verify is described as part of the company’s open banking and verification capabilities, enabling lenders to access real-time bank data as part of their underwriting processes.

Key products and solutions mentioned by the company

• Open Banking Platform: Inverite refers to a proprietary open banking platform that leverages real-time financial data and AI to support lenders’ adjudication processes and automation.
• Risk Score / Risk Scoring: The company highlights an AI-driven, cash flow-based risk scoring capability that uses bank transaction data and loan performance data to improve credit decision accuracy and support scalable growth for lenders.
• Instant Bank Verification (IBV): Inverite describes Instant Bank Verification as part of its offering, enabling lenders to verify consumer banking information in real time.
• Anti-Money Laundering (AML) tools: In partnership announcements, Inverite notes that it provides AML-related capabilities integrated into lender workflows.
• Microcheck: The company identifies Microcheck as an advanced alternative database that consolidates non-registered loan information from individuals into a centralized, shared database. Inverite states that this Canadian-focused product allows lenders to access and share insights into borrowers’ creditworthiness when traditional credit bureau data is limited or insufficient. The company has also indicated that Microcheck has been updated to operate independently from Instant Bank Verification and can be accessed as a standalone API product.

Across its disclosures, Inverite repeatedly describes its broader offering as providing solutions for data enrichment, identity, risk management and compliance. These themes appear in multiple "About Inverite" sections, where the company states that it empowers businesses to transact more effectively with consumers by supplying real-time financial data and AI-driven analytics.

Customer and market orientation

Inverite’s public statements focus on the alternative credit economy, non-prime consumers, and underbanked segments in Canada. The company notes that its platform and products are used by alternative lenders and that its solutions are intended to help lenders reduce default risk, expand access to credit, and improve underwriting for consumers who may not be fully served by traditional credit bureau data.

In several releases, Inverite emphasizes its work with alternative lenders, including one of Canada’s largest non-prime alternative lenders, and references its role in supporting private mortgage lenders and Mortgage Investment Corporations through integrations with third-party platforms. The company describes its platform as an infrastructure layer for the alternative credit market, supporting real-time risk assessment and credit recommendations based on financial transaction data.

Partnerships and integrations referenced by the company

Inverite has announced a partnership and integration with Mortgage Automator, a loan origination, servicing, and fund management platform for private lenders and MICs. Through this collaboration, Inverite states that its Instant Bank Verification, AML, and risk scoring tools are integrated into Mortgage Automator’s platform. Company communications describe this as enabling private lenders and MICs to access real-time bank data and AI-driven risk scoring within their existing workflows, enhancing mortgage adjudication and borrower data verification.

The company has also reported that, following this integration, a substantial number of Mortgage Automator’s private lenders and MICs went live on Inverite’s open banking platform, using products such as Instant Bank Verification, AML tools, and risk scoring. Inverite characterizes this as a demonstration of industry acceptance of its alternative data and risk assessment products.

Data assets and scale as described by Inverite

In multiple news releases, Inverite highlights the scale of its financial data assets. The company reports that its financial database has grown to encompass tens of billions of financial data points derived from millions of unique Canadian consumer transactions, and that it transacts with a large number of consumers monthly who are seeking credit. These disclosures are used by Inverite to illustrate the breadth of its data foundation for AI-driven risk scoring and financial intelligence.

Inverite also links the growth of its data assets to increasing transaction volumes on its AI platform and to adoption by alternative lending partners. The company states that higher transaction volumes and expanding lender networks contribute to the expansion of its financial database, which in turn supports its AI and machine learning models.

Share structure update referenced by the company

In a share capital update, Inverite announced a 6:1 consolidation of its common shares, with six pre-consolidation shares being exchanged for one post-consolidation share. The company indicated that outstanding options, warrants, and other convertible securities would be adjusted accordingly, and that no fractional shares below a specified threshold would be issued. Inverite stated that there would be no change to the company’s name or trading symbols as a result of this consolidation and that a new CUSIP/ISIN had been assigned for the post-consolidation shares.

Summary

Overall, Inverite Insights Inc. presents itself as a Vancouver-based, AI-driven software provider focused on real-time financial data and Holistic Financial Intelligence for the alternative credit economy in Canada. Through its open banking platform, AI-based risk scoring, Instant Bank Verification, AML tools, Microcheck alternative loan database, and related data enrichment and compliance offerings, the company aims to support alternative lenders, private mortgage lenders, MICs, and other credit facilitators in evaluating and serving credit-seeking consumers, particularly in non-prime and underbanked segments.