The AI Infrastructure Behind a New Era of Debt Negotiation
Redesigning Debt from the Inside Out
Built for public trust.
Designed with systemic care.
Powered by negotiation intelligence.
Vera is AI negotiation protocol designed to restore fairness in debt collection. Built for regulators, councils, BNPLs, fintechs, and institutions seeking public trust, Vera enables compliant, transparent, and trauma-informed debt resolution at scale.
Vera is a category-defining infrastructure designed to center dignity, transparency, and safety — not just speed. In an era of open banking, AI, and heightened regulation, we enable systems that don’t just collect — they repair.
Converts legacy debt letters into interactive, rights-aware journeys
Surfaces relevant options: affordability, disputes, repayment plans
Flags vulnerability indicators, triggers escalation paths
Explains decisions with regulatory-grade transparency
Aligns to FCA's Consumer Duty, CONC 7, and ethical AI standards
What Vera Enables
Vera is built in alignment with the FCA’s latest standards and is preparing for sandbox testing in Q3.
FCA Sandbox Ready
Built on Consumer Duty and CONC 7 principles
Supported by a leading regulatory consultant
Designed to enable measurable, auditable outcomes for vulnerable groups
Join Our Sandbox Cohort
Vera is inviting a select group of councils, BNPLs, utilities, and fintechs to co-design the UK’s ethical AI standard for debt.
Participate in sandbox testing (Q3)
Receive tailored onboarding and pilot support
Submit LOI to shape the future of fair, compliant collections
Vera: AI for Public Value
Negotiation Intelligence Engine
Purpose-built AI combining contextual reasoning, rights-based logic, and adaptive negotiation decisioning — designed for real-world debt complexity.
Governance by Design
End-to-end data integrity with embedded transparency, explainability, and auditability — built for public scrutiny and regulatory trust.
Plug-and-Play for Institutions
Modular, API-ready systems tailored for councils, BNPL providers, and fintechs — enabling seamless integration without compromising ethics or impact.
“We’re not just deploying AI. We’re architecting safety into the future of debt — with dignity, transparency, and care built in from the start.”
— Ashanti Bentil-Dhue, Founder & CEO
A Billion-Pound Category, from the Ground Up
Vera is now raising a 1M Pre Seed next round to become the UK’s debt AI infrastructure layer. Backed by leading regulatory experts and policy leaders, we’re building an entirely new compliance category.
Investor Brief Available
Pitch Deck on Request
FCA Sandbox Milestone: September 2025
FCA Milestone Tracker
FCA Supercharged Sandbox Announced
Vera immediately identifies alignment and begins strategic preparations for entry.
Sandbox Application Initiated
Supercharged Sandbox Application Submitted
Partners across councils and fintechs confirm interest in participating in the sandbox
Supercharged Sandbox Cohort Launches
Pilot Program Underway
Active sandbox testing with B2B partners. Consumer outcomes, AI impact, and ethical use benchmarks tracked.
Evaluation and Public Reporting
Findings from the sandbox testing are compiled and published in consultation with regulators and partners.