The whole bank, on one record.
Vincu is the connective layer between a bank and everyone it deals with. Customers apply, upload, sign and ask on one side; departments decide, route and respond on the other — on the same record. No email threads. No four versions of the file.
Built after two years embedded at ProCredit Bank, watching how requests actually move through a bank.
A customer asks the bank one question — and four departments answer it over email, each working from its own version of the file. Vincu is the record they all share.
Two sides. One record.
One front door
Customers apply, track, upload, sign and ask in one portal — Connect and Vault. They see status, not silence, and never send financials as an email attachment again.
One shared case
Every request becomes a case with its documents, decisions and conversation attached. The case moves between departments — and the context moves with it.
One working file
Branch, credit, compliance and back office all work the same record — routed by Flow, decided by Decision, every step logged as it happens.
One platform. Five capabilities.
Banks switch modules on as they need them. Every module reads and writes the same record — that's the whole point.
Vincu Decision
Decide with consistency and speed — every decision explainable and logged. The engine reads the file, writes its reasoning, and carries it to the committee, the customer and the regulator.
Vincu Connect
One place for customers to apply, track, ask, and be answered. Customers see status, not silence.
Vincu Vault
Documents move between customer and bank, and between departments, without ever riding an email inbox.
Vincu Flow
Every request becomes a shared, trackable case. The case moves, and the context moves with it.
Vincu Bond
A bank that remembers the relationship, not just the account. On the roadmap — not shipping yet.
Live at ProCredit Bank.
Decision, Connect, Vault and Flow run at ProCredit Bank today. Below: the actual product — the Decision backoffice reading a company credit file (anonymized production data), and the customer portal where every case starts.
Built for regulators, not around them.
A bank relationship platform holds far more than loan files — so everything on the record is written down, versioned, and explainable. Compliance is the data model, not a feature.
Bring us the workflow your bank still runs on email.
Half an hour, the live platform, one of your real cases end to end — from the customer's first upload to the committee's decision.