Proof, not paperwork.

Fraud is a paperwork war. The bank and its merchants are both losing hours to it.

One evidence layer, under VeraBank's brand, across every trust moment.

VeraBank keeps every system and every decision it has today. This is an additive layer — one API call or two lines of embed code per touchpoint. It cannot block a customer journey (fail-open by design) and it is never in the funds path.

Two locks on every door. Bots fail before they can transact.

• Lock 1: Cloudflare Turnstile — the modern, invisible "prove you're human" check.
• Lock 2: An invisible math puzzle (proof-of-work) the customer's browser solves automatically — humans never see it; scripted bots pay a real computational price to fake it.
• Both verdicts are recorded IN the evidence — every record says "a screened human did this," not just "a form was submitted."

What did they see, what did they click, and from where — sealed at the moment it happened.

• The exact words on the screen when they clicked (the disclosure/terms — verbatim)
• Who: identity fields and how strongly they were verified
• Where: real IP address + geolocation, observed at the network edge — the customer's browser can't fake it
• How: human-check verdicts, device signals, timing behavior (never keystroke contents)

Records that can't be backdated, edited or deleted — and anyone can check.

• Every record is cryptographically chained to the ones before it — remove or alter one and the whole chain visibly breaks.
• Chains are anchored to independent clocks: a trusted timestamp authority AND the Bitcoin blockchain. Even we can't rewrite history.
• Anyone — an auditor, an examiner, opposing counsel — can verify a record for free, with no login, even offline. The evidence stays verifiable even if CapchaCloud disappears.

VeraBank's brand. VeraBank's merchants. Two lines of code.

• White-label: the whole platform runs under VeraBank's brand — VeraBank Merchant Shield (or any name VeraBank chooses), VeraBank colors, VeraBank domain.
• Subaccounts: VeraBank mints a subaccount for each merchant in its merchant-services book — one umbrella org, per-merchant keys, per-merchant dashboards, per-merchant billing if desired.
• Self-serve embed: each merchant adds a two-line snippet to their checkout. That's the whole integration. Anyone can build a checkout or intake form on our form system — locked to their approved domain, live in an afternoon.
• Card data note (answer before they ask): our layer never touches card numbers — card entry stays in the payment processor's own fields exactly as today. No new PCI burden for the merchant.

Every covered purchase carries its own defense file.

Wires and transfers get the same treatment.

• Every ISO 20022 payment message (the format behind modern wires and FedNow) can be sealed into tamper-evident evidence — before or alongside the rail, never inside it.
• When the response message comes back, it's linked to the original by the payment's own unique ID (UETR) — a corroborated, end-to-end evidence trail per payment.
• Result: payment investigations, recalls and disputes start from a sealed file, not an inbox search. ≈$0.05 per message.

Same vendors. Better evidence. One case file.

• VeraBank keeps its own contracted KYC vendors (Sumsub, Jumio, etc.) — we orchestrate the checks through VeraBank's own credentials and seal every outcome as tamper-evident evidence.
• Native pre-screens (sanctions lists, device signals) run first at ≈$0.05 — cheap filtering before expensive certified checks. Honest label: our native screens are NOT certified KYC and never pretend to be.
• Every check, decision and note lands in one sealed case file per subject — examiner-ready, chronological, tamper-evident.

The upside is measured in millions — here is the arithmetic, not a promise.

Merchants save time and money from day one.

• Chargeback paperwork shrinks from hours to minutes — the packet builds itself.
• Stronger evidence = more representments won: edge-observed IP, geolocation and a human-verified purchase moment attached to every covered transaction.
• Cost: about $0.03 per covered transaction. A 1,500-transaction/month merchant pays roughly $45/month — less than one recovered chargeback.
• Zero heavy lift: two lines of code, no PCI change, live in an afternoon — under VeraBank's brand, which makes VeraBank's merchant services stickier.

What we are — and what we are not.