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Cross-border financial evidence

Move country. Keep your financial identity.

When someone moves country, their financial record stays behind. A person who repaid every loan reliably in Warsaw, Bogotá or Bucharest arrives in the UK and, to a lender here, has no past at all.

That leaves lenders with two mistakes: declining applicants they would have approved, and approving applicants they would have declined. Both are expensive.

CashKi gives lenders a way to validate that history. Source, jurisdiction, verification method — evidence they can interrogate. The decision stays with the lender.

How it works

01

Bind

Identity linked to the right person

02

Translate

Foreign concept mapped or refused

03

Emit

Full provenance attached

When your financial history disappears

A mortgage. A loan. A credit card. All refused for the same reason.

Without CashKi

Illustrative example

Without a UK credit history, applicants are refused regardless of their record abroad.

Integration in the financial system

One piece of evidence. Four steps.

Illustrative example

01 · Arrives

Financial history arrives from the applicant's home country, carrying its source, jurisdiction, and period.

02 · Bind

The record is tied to this specific applicant. If the match doesn't meet the minimum threshold, nothing is delivered.

03 · Translate

Financial history from any regulated source — Ecuador's credit bureau, Thailand's registry, any jurisdiction with accessible data — is translated into UK-readable terms. Where the translation is approximate, it is labelled as such, not presented as exact.

04 · Emit

The evidence is delivered to the lender with full provenance. No score. No recommendation. What the data can and cannot support is stated plainly.

Integration layer

What the CashKi layer adds

Standard identity verification covers who the applicant is. CashKi adds the financial history layer that identity alone cannot provide.

Without CashKi

Standard identity checks

  • Identity document verified (passport / national ID)
  • Biometric match confirmed
  • Liveness detection passed
  • Address verification complete
  • Sanctions & PEP screening clear
  • Financial history (cross-border)

+ CashKi layer

  • Verified financial historyFrom the applicant's home country — bank-direct or regulated registry
  • Source confirmedCountry, institution, and jurisdiction on record
  • Duration and freshnessHow many years. How recent. Both stated.
  • Identity matched to the recordBelow the confidence threshold: nothing delivered
  • Translated into UK termsWhere the translation is approximate, it is labelled as such
  • No score. No verdict.Evidence only — the decision stays with the lender

Without CashKi, the financial history column is empty — regardless of what the applicant built abroad.

Why this matters

The regulatory record points in one direction.

The FCA's credit information market study found the sector “very highly concentrated”, with an HHI above 5,000 in 2020, and high barriers to entry and expansion for new credit reference agencies, such as access to historical data and network effects. The gap CashKi works on is applicants whose financial history was built outside the UK.

MS19/1.3 §2.7, FCA, December 2023

The FCA's final market study report warned that where credit information is “insufficiently comprehensive”, its users “will not be able to accurately assess credit risk or provision for bad debts”. CP26/7 (February 2026) proposes mandatory data sharing with designated credit reference agencies so that firms have more comprehensive credit information.

MS19/1.3 §2.6, FCA, December 2023; CP26/7 ¶1.6, FCA, February 2026

The FCA Open Finance Roadmap (April 2026) prioritises SME lending and consumers’ access to mortgages. Its stated mechanism: “Broader access to customers’ information can lower barriers to entry by reducing data advantages.”

FCA Open Finance Roadmap §3.2, April 2026

Where we are

Early, and honest about it.

The problem is structurally documented: at the border, a thin file is read as a risky applicant — the information asymmetry Akerlof (1970) identified, applied to mobility. The technical building blocks already exist as published standards: verifiable credentials (W3C, 2025) and open finance infrastructure. The FCA found the UK credit information sector had an HHI above 5,000 in 2020 (MS19/1.3, December 2023), and CP26/7 and the FCA Open Finance Roadmap (both 2026) aim at thin credit files and wider data sharing — the gap CashKi works on is applicants whose financial history was built outside the UK.

There is an open enquiry with the Financial Conduct Authority's Innovation Pathways on where this activity sits in the regulatory perimeter. That is a conversation, not a status.

Three co-founders: an economist in London on the regulatory and commercial work, a full-stack engineer in Kraków building the system, and an AML and retail banking specialist in London on financial compliance and risk. No outside investment.