Konfirmata
For microfinance lenders, fintech underwriters, CDFIs, and credit cooperatives

Transaction records formed at the moment of business activity — not reconstructed from memory.

Konfirmata forms financial records at the moment transactions happen — not reconstructed later. Every entry is user-confirmed, append-only, and cryptographically chained. Institutions get a trust surface that self-reported summaries and spreadsheets can't provide.

Review the trust model See mission and build status
Institutional relevance

The problem with every alternative: the data was created after the fact.

Confirmation-gated authority

Records are not formed by passive autosave or later admin intervention. The user must explicitly confirm before the transaction becomes permanent.

Append-only structure

There is no edit path and no delete path. A new entry can be added, but an existing confirmed entry cannot be rewritten or removed.

Verifiable export surface

Free exports include the ledger root hash and signing status. Paid Verified Reports add server attestation, a `vt_id`, a `verify_url`, and QR-based verification.

Who it serves

Built for underserved but economically active businesses.

The target user is any business owner with real, consistent cash flow but no formal financial trail — freelancers, independent traders, service providers, and operators whose activity never makes it into a bank statement or accounting system.

Konfirmata gives institutions a path to evaluate more than absence. It creates structured, verifiable history where none existed before.

Underwriting value

Context lenders can use.

  • Observe durability through repeated use over 30, 90, and 180-day periods
  • Inspect transaction continuity rather than relying only on one-time declarations
  • Use trust tiers and history depth as additional underwriting context
  • Review server-attested reports and verification portal status before relying on submitted history
Capability snapshot

What lenders can review today.

Record formation

Transactions are captured by voice or text, reviewed, then appended to an immutable local ledger only after explicit user confirmation.

Signing and sync

After OTP verification, each entry is signed with a device key and synced to the server, where signatures and chain continuity are checked.

Attestation and verification

Institutions can rely on a `vt_id`, verification URL, QR code, entry counts, key-rotation counts, and current fork status exposed by the portal.

Verified reporting

Choose from 30-day, 90-day, or full history reports. Pricing shown in-app after sign-up.

"The record exists because the business owner confirmed it existed — at the time it happened." That's a different quality of evidence than anything reconstructed from memory, interview, or estimate.

Konfirmata for lenders