Contact — EquityRail

For Licensing & Corp-Dev Teams

Due-diligence snapshot.

The facts an evaluation starts with — stated plainly, current as of this build.

Patent status: U.S. Utility Application No. 19/253,946, filed June 30, 2025, with preliminary and supplemental amendments (including DTI controls). ~20 claims across platform, method, and system. The full application is public via USPTO Patent Center.

Inventor: Kelvyn C. Walker Sr. — 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. Jacksonville, Florida.

Prototype status: interactive patent demonstration live across this site — application, bank console, and borrower dashboard. Production build specified; not yet in production.

Integration model: a single REST API covering origination through funding and servicing, with every risk parameter configurable by the institution.

Licensing options: exclusive or non-exclusive enterprise licenses, white-label integration, OEM embedding, and acquisition discussions.

Available on request: executive briefing, claims walkthrough, and architecture review; trade-secret materials (valuation weighting, monitoring logic) under NDA.

To begin, select “Due-diligence materials request” in the form below.

Acquisition & Licensing FAQ

The questions counsel asks before the second meeting.

What exactly is being licensed?
Rights under U.S. Utility Application No. 19/253,946 (upon grant), together with the demonstration codebase and design assets and, under NDA, the trade-secret layer (valuation weighting, monitoring logic) and the production requirements specification.

Does EquityRail intend to become a lender?
No. EquityRail is not a bank and not a lender, and is not seeking to become one. The objective is licensing, integration, or acquisition by established players.

Are exclusive licenses available?
Yes — exclusive and non-exclusive structures, white-label integration, OEM embedding, and acquisition are all open for discussion. Structures are shaped with each counterparty.

Is the application assignable?
Yes. The application is inventor-owned and assignable; outright acquisition is a welcome conversation alongside licensing.

Can this be white-labeled?
Yes — the architecture is white-label by design: the institution's brand, underwriting standards, and risk parameters, with the engine underneath.

What integrations are required?
Valuation data (comps/AVM), credit-bureau soft pulls, the institution's core, and payment networks — all through the platform's API layer, with every risk parameter configurable by the institution.

Is source code included?
The interactive demonstration codebase exists today; the production build is specified but deliberately not started. What transfers depends on the structure — from patent rights alone through a full technology transfer.

What development work remains?
The production build. It is specified in a phased requirements plan and intentionally staged so a partner's compliance and integration requirements shape it — stated plainly: this is pre-production intellectual property with a working demonstration, priced and structured accordingly.