U.S. households unbanked (FDIC 2023)
Verification infrastructure deployed
Tamper-evident business activity records for thin-file, underbanked, and economically active populations.
Konfirmata forms the business activity record behind it.
User-controlled records whose integrity, sequence, and device origin can be cryptographically verified.
Konfirmata does not independently verify that an underlying transaction occurred. It produces tamper-evident business activity records whose integrity, sequence, and device origin can be cryptographically verified.
USPTO Provisional Patent Application No. 63/987,858 filed February 2026. Regulatory Expertise + Market Insight — Offline-First. Works Without Internet.
01
The problem
The economy runs on activity that financial systems cannot see.
Across the world, a large share of work and small-enterprise activity happens outside formal financial infrastructure. In the United States, cash-based entrepreneurs in Chicago and app-based workers in major metros earn income, pay suppliers, serve buyers, and build businesses every day. Similar gaps appear globally among market traders in Lagos, smallholder farmers in Nairobi, and other entrepreneurs whose activity is real but not captured in records institutions can review.
In the United States, the FDIC reported 5.6 million unbanked households and 19 million underbanked households in 2023. CFPB’s June 2025 technical correction estimates that, as of December 2020, approximately 7.0 million U.S. adults — 2.7% of the adult population — had no credit record at all, while another 9.8% held credit records that were unscored. These figures point to a persistent visibility gap: millions of economically active people remain difficult for formal systems to evaluate using conventional documentation.
The consequence is the same everywhere: business activity remains harder to review, support, finance, audit, or include in formal programs when it is not captured in portable records. The gap is not a failure of ambition — it is a failure of infrastructure.
U.S. households underbanked (FDIC 2023)
U.S. adults with no credit record as of December 2020 (CFPB June 2025 technical correction)
1
The activity is real
Entrepreneurs receive payments, buy inventory, perform services, and generate income every day — often outside formal record systems.
2
The records are incomplete
Receipts, statements, and formal bookkeeping may be absent, fragmented, or reconstructed too late to show a reliable history of business activity.
3
The consequence is invisibility
When business activity is not captured in portable records, entrepreneurs remain harder to review, support, finance, audit, or include in formal programs.
Sources: FDIC 2023 National Survey of Unbanked and Underbanked Households; CFPB 2025 Credit Invisibles Update.
02
The solution
Record, review, confirm, export.
Record
Log a sale, payment, or expense by voice or text. No forms, accounting labels, or new bookkeeping habits are required.
Review
See a structured summary before committing, so the entrepreneur controls what becomes part of the record.
Confirm
A single confirmation commits the entry to a tamper-evident business record. Once confirmed, the original entry cannot be changed or backdated.
Export
Generate a verifiable business record export when the entrepreneur chooses to share it for business review, program intake, audit, tax, or lender evaluation.
Konfirmata works offline, is designed for voice-first and low-literacy use, and structures business records so their integrity, sequence, and origin can be assessed. Verification infrastructure deployed. Public attestation endpoint available at konfirmata.com/verify.
See the App
03
For entrepreneurs and downstream reviewers
Records entrepreneurs own, control, and choose when to share.
Konfirmata forms verifiable business records entrepreneurs own and control. The records support the entrepreneur’s own business review and management. When the entrepreneur chooses to share them, lenders, regulators, auditors, and tax authorities can assess the integrity, sequence, and origin of the records.
Entrepreneurs can use these records for their own business review and management. When they choose to share them, the same records can support review by community lenders, nonprofit programs, auditors, tax professionals, regulators, and other institutions.
What shared records can support
- Structured business activity histories created by the entrepreneur
- Continuity indicators that show consistent recording over time
- Exportable summaries for review when entrepreneurs choose to share them
- A documented record trail for business, tax, program, or audit review
- Supplemental context for thin-file entrepreneurs whose activity may not appear fully in conventional documentation
Institutional inquiries can be directed to Konfirmata after entrepreneurs choose to share records for review.
Submit an inquiry
04
Security and trust
Trust by architecture, not policy.
Permanent Records
Once confirmed, an entry cannot be altered, deleted, or backdated. This is structural, not a policy setting.
Independent Verification
Every export contains data that allows independent review of record integrity without requiring access to the original phone or Konfirmata servers.
User-Controlled Data
Entrepreneurs own their records. Exports belong to the entrepreneur, and no institution receives them without entrepreneur authorization.
Offline-First Design
Records can be created and confirmed without internet connectivity, then prepared for review when connectivity is available.
Transaction Boundary
Konfirmata does not independently verify that an underlying transaction occurred. It produces tamper-evident business activity records whose integrity, sequence, and device origin can be cryptographically verified.
The core architecture is permanent by design, not by policy.
05
Innovation
A system designed to be trusted.
Konfirmata’s core technology is the subject of USPTO Provisional Patent Application No. 63/987,858, filed February 2026. The filing covers methods and systems for creating verifiable, tamper-evident business records that can support institutional review.
06
Contact
Get in touch.
Verification infrastructure deployed. Public attestation endpoint available at konfirmata.com/verify. If you represent an institution or community program and want to discuss record review, write to us directly.