EquityRail enables lending institutions to take a home equity line from application to funding in a single session — and to manage its risk continuously for the life of the line — as one patent-pending workflow. This site is an interactive working demonstration of the claimed workflow — U.S. Utility Patent Application No. 19/253,946 — designed to be licensed or integrated by the platforms and institutions that power home equity lending.
One application, offers from funding institutions under their own brands, and equity designed to spend anywhere Visa, Mastercard, Apple Pay, or Google Pay is accepted.
Originate under your own brand and risk parameters through one REST API. Fund loans with auditable settlement — near-real-time by design.
Originations in hours, not weeks. Risk managed continuously, not annually. Your brand, deposits, and cross-sell stay with you.
The bank experience →A licensable, patent-pending real-time HELOC feature set — one API from origination through servicing — for the products you already ship.
Request licensing information →~20 claims across platform, method, and system, with an interactive working demonstration you can walk today and a due-diligence snapshot ready to forward.
Due-diligence snapshot →An instant equity estimate, credit that follows your home's value, and funds that spend anywhere — shown here as an interactive demonstration.
Preview the experience →Three core claims of U.S. App. No. 19/253,946, implemented live on this page. What takes twenty pages of patent language takes ninety seconds with a slider — this is the mechanism your engineers would be licensing.
As valuation data streams in, every line's credit limit recalculates against the configured LTV ceiling — up and down, automatically.
Configurable soft pulls monitor the score. Below the halt threshold, draws stop; they resume only at the recovery threshold — hysteresis by design, no flapping.
Drag below 550 to trigger the halt — then notice draws stay halted until the score recovers to 620.
Each institution loads its own rate matrix. Tap any cell — the engine prices every line from the score tier and LTV, continuously refreshed by soft pulls.
| FICO ↓ LTV → | 70% | 80% | 90% |
|---|
Illustrative figures. The full claim set — 20 claims across platform, method, and system — also covers configurable monitoring intervals, DTI-based controls, and tokenized settlement.
Existing lending systems automate individual steps of a static product. The claimed invention automates the entire lifecycle as one continuously managed process — after closing, for the life of the line.
| Traditional LOS / HELOC stack | The claimed system | |
|---|---|---|
| Credit limit | Set once at closing | Recalculated from live valuation at your LTV ceiling Claim 5 |
| Credit review | Annual, or at renewal | Scheduled soft pulls — weekly, monthly, or quarterly Claim 7 |
| Draw control | Manual intervention | Automated halt below threshold, automated resume on recovery Claim 7 |
| Pricing | Static rate sheet | Score × LTV lookup, configurable by API Claim 6 |
| Risk posture | Periodic review; exposure drifts | Continuous — limits and draws follow collateral and credit |
The novelty is not automated HELOCs — pieces of this exist across the industry. The claimed invention is the unified system: real-time valuation-driven limits, continuous creditworthiness monitoring with automated draw control, and tokenized settlement operating as one interdependent process. That combination is what is pending before the USPTO — and what existing loan origination systems were never architected to do.
This demonstration illustrates how the patented system would operate inside a financial institution — it does not represent a live banking platform. Three stops, about three minutes, on a phone.
Four steps, soft-pull consent, an instant equity estimate, and illustrative offers.
Start the walkthroughChange the LTV ceiling, watch the queue re-price, approve & fund. Console: demo@riverline.bank / bank2026.
Open the consoleThe funded line appears — limit, rate tier, settlement reference. Dashboard: demo@equityrail.com / demo2026.
Open the dashboardEquityRail is not seeking to become a retail lender. The objective is to license or sell the patent-pending technology to — or integrate it with — established financial institutions and software providers.
For lending platforms, core banking providers, and fintechs building real-time equity products: the adaptive-LTV, monitoring, and settlement mechanics on this page are claimed subject matter — available to license, integrate, or acquire.
Licensing models: exclusive or non-exclusive enterprise licenses, white-label integration, OEM embedding, and acquisition discussions. Structures are shaped with each counterparty.
Request licensing informationYour underwriting standards, rate tables, and LTV ceilings — running on these rails, white-label. The borrower relationship, deposits, and cross-sell stay with your institution.
Homeowner? Preview the borrower experience →
Kelvyn C. Walker Sr. has spent more than 20 years in the real-estate and lending industry — including three years as a licensed mortgage broker and years of hands-on real-estate investing — watching home equity lending work the same way, at the same speed, decade after decade. A HELOC still takes weeks of appraisals and paperwork, and its terms freeze the day it closes, no matter what the collateral or the borrower does next. EquityRail is his answer: the invention claimed in U.S. App. No. 19/253,946, demonstrated end to end on this site. Based in Jacksonville, Florida.
The claims are running on this page. The conversation starts whenever you're ready.