Valon is building the AI-native operating system for regulated services, starting with mortgage servicing.
Our beginning
The backbone of American homeownership.
Mortgage servicing is the unseen system connecting 50+ million homeowners to the financial world. It moves billions daily-payments, taxes, insurance-between borrowers, lenders, and investors.
When it works, it is invisible. When it fails, families, neighborhoods, and the economy feel the shock. Yet much of it still runs on software older than its borrowers.
The problem
A critical system, stuck in time and making life harder for everyone it touches.
Mortgage servicing moves trillions, but it runs on 40-year-old systems. Outdated platforms force lenders to rely on manual workflows and fragile spreadsheets—slowing every exception, multiplying errors, raising costs, and eroding trust for both homeowners and servicers.
The problem
Our CEO Andrew saw the broken state of mortgage servicing while investing in MSRs: a classic "software eats the world" opportunity.
But past startups failed by pitching software to a risk-averse industry without proving it in production.
Our approach
We ran toward the complexity everyone else avoided.
Most startups build from the sidelines. We couldn't.
Mortgage servicing is too complex and regulated to fix without living it. So we became a fully licensed national servicer, approved by Fannie, Freddie, and Ginnie.
For six years we ran the operation end-to-end, moving billions daily, surviving audits, and solving every edge case. We built our own ledgers, workflows, and AI-native systems. Not in theory, but in production.
The result: battle-tested infrastructure that encodes the true complexity of mortgage servicing at national scale.
Where we are today
From national servicer to the infrastructure layer for regulated finance.
What began as a full-stack servicer is now ValonOS, an AI-native operating system powering institutions with $100B+ in loans.
Every payment, ledger, and workflow runs on a unified system of record, built for complexity at scale. Our years in the trenches earned us data, workflows, and regulatory trust no newcomer can match. Each customer strengthens the flywheel, expanding data, sharpening automation, and compounding advantage.
We are not just in the market. We are becoming its foundation.
Proof, not promises
Validated by results.
What's next?
The financial stack: unified and ready for deployment.
For years, ValonOS has been battle-tested inside one of the most complex, highly regulated operational environments in finance. We have proven it works, not in demos, but in production, under the scrutiny of regulators, investors, and hundreds of thousands of borrowers.
Now, we are scaling.
We are launching deployments for some of the most consequential SaaS contracts in the industry, partnering with institutions ready to modernize their core infrastructure. Each rollout brings the ValonOS flywheel to a new set of workflows, compounding accuracy, automation, and strategic advantage.
We are moving from operating the system ourselves to becoming the system others operate on.
Why it gets even more exciting
The perfect surface for AI.
Servicing is thousands of branching workflows and judgment calls, which makes it perfect for AI.
Because ValonOS controls the system of record, we own one of the richest proprietary datasets in finance. Unlike wrappers on disconnected systems, our AI agents operate inside the ledger itself, with full visibility into rules, history, and context. Every action is logged, auditable, and feeds a growing library of production-grade automations.
Each deployment sharpens the models, frees humans for higher-leverage work, and compounds across customers. We are not adding AI at the edges; we are embedding intelligence into the system that moves the money.
Our future
The operating system for all regulated finance.
Our ambition is simple: to become the default operating system for regulated finance worldwide.
Mortgage servicing is just the beginning. Seventy percent of the world's GDP runs on payments, accounting, and the workflows that connect them. Just like mortgage servicing, these systems are fragmented, manual, and resistant to change, costing institutions billions and slowing the flow of the global economy.
The same architecture applies to every sector where complexity has kept software out, from property insurance to healthcare revenue cycle management.
ValonOS is built to change that.
We are the virtualization layer for the world's most complex, regulated industries, unifying ledgers, workflows, and decision-making into a single, programmable platform. From that foundation, we can embed intelligence directly into the systems that move money at scale.
Our playbook works anywhere with complex, regulated operations and high labor costs.
Our foundation lets us expand into trillion-dollar verticals like property insurance, healthcare revenue cycle, and beyond. We have already done the hardest part, earning the trust of the market by running the infrastructure ourselves. Now, it's time to scale.