Working today
- 01
The prototype covers goals, profiles, scenarios, action plans, and consumer education.
- 02
The language intentionally avoids guarantees and false precision.
Working products · Selective capital · 2026
Credit decision-support prototype
Explain the next credit move without pretending to predict a score.
A plain-English credit decision prototype that helps a consumer compare next actions, timing, and trade-offs before a major purchase.
Explain the next credit move without pretending to predict a score.
Investor classification
Early-stage assetThis product is available for the kind of conversation that fits its stage: commercial investment, distribution, licensing, or acquisition.
The opportunity in plain English
Where it stands
Working today
The prototype covers goals, profiles, scenarios, action plans, and consumer education.
The language intentionally avoids guarantees and false precision.
The next stage will establish
Production persistence and approved partner offers are the next product requirements.
A design-partner pilot will establish customer demand, repeat use, and referral economics.
Compliance review and partner distribution must be completed before a commercial launch.
Why it could become valuable
Next value milestone
This is the operating goal for the next stage, not a forecast or guarantee.
Secure a qualified financial-institution design partner.
Complete compliance review and shape the first co-branded pilot.
What could get in the way
Consumer-finance regulation, advice boundaries, trust, data security, and referral conflicts make this unsuitable for current investment without a qualified partner.
Ownership and operating structure
An EB28 prototype being developed toward a qualified financial-institution partnership.
Product and market evidence