Real-Time Portfolio Intelligencepowered by VinHub
Multi-Platform Integration
Aggregates live data across ecosystems — not recycled reports you already own.
Lifecycle Tracking
Complete visibility into every vehicle asset from day one to resolution.
Total Portfolio Oversight
Clear, actionable overview of your entire collateral risk and status.
Out-of-trust sale reaches your desk the same day instead of 30 days later.
Out of trust: a vehicle sold or moved before the lender is paid. VINAFI detects it from title and sale data, not from dealer paperwork.
Connection counts only. No company lists.
VINAFI VinHub Partners
How it works
No dealer paperwork. No missed risk.
VINAFI continuously reads state-level title data and live market activity, cross-referencing it directly against your funded portfolio. By delivering daily real-time monitoring between physical site audits, you maintain continuous visibility over your collateral.
To ensure complete coverage on the ground, VINAFI has partnered with Quiktrak to provide full physical audit capabilities in all 50 states. Combined with automated daily tracking, you get total risk management both digitally and in the field.
We watch the source
State title records, dealer listing feeds, and marketplace data are checked continuously for every VIN you have funded.
We match it to your book
A new sale, title transfer, or listing change is matched against your floorplan and lending portfolios automatically.
You get the alert
Your audit team is notified the same day with the VIN, the dealer, and what changed. Other lenders on that VIN can be notified too.
What you get
Seven modules. One VIN record.
Use one module or all of them. They read and write to the same ledger, so nothing has to be entered twice.
VinHub
The VIN ledgerOne shared record per VIN, linking lenders, dealers, title companies, and warranty providers.
Learn moreLienHub
Security-interest registryLenders report a lien once. The registry distributes it, so every partner sees who holds interest before funding.
Learn moreLenderHub
Lender protectionTitle-change alerts, lien perfection checks, and double-financing prevention in one view.
Learn moreVerifyHub
Identity verificationBuyer identity and document checks, including driver's license verification in 44 states.
Learn moreInsuranceHub
Coverage monitoringCoverage and lienholder data for 99% of vehicle sales within one to three days, plus lapse alerts.
Learn moreVinPay
Verified paymentsIdentity-checked, encrypted payment routing for down payments, payoffs, and settlements.
Learn moreCMSHub
Credit managementFloorplan credit servicing for lenders and dealers: advances, curtailments, and payoff tracking on the same ledger.
Learn moreWho it is for
Find the version built for your book.
Floorplan lenders
Continuous monitoring of every floored VIN, dealer by dealer, without a lot visit.
Learn moreConsumer auto lenders
Lien perfection and title-change alerts before you fund and after you book the loan.
Learn moreBanks and credit unions
Independent collateral verification for portfolio reviews, audits, and exams.
Learn moreTitle, warranty and insurance
One VIN record shared with the partners who rely on it, through API or batch file.
Learn moreBank-grade by default
Built for institutions that get examined, not just deployed.
- AES-256 encryption at rest and in transit
- Row-level isolation between institutions
- Full audit log on every query and alert
- State data accessed under written DPA terms
See your portfolio the way it actually is.
A 30-minute walkthrough with your own VINs. You will see what is out of trust before you leave the call.