Building the AI-native operating system for regulated services
Starting with mortgage servicing. Expanding to transform an entire industry.
A critical system stuck in time.
Mortgage servicing is the $100 billion backbone of American homeownership, connecting 50+ million homeowners to the financial system and moving billions of dollars each day. When it works, it's invisible. When it fails, families and the broader economy feel it.
Yet it still runs on infrastructure built before the internet. Dominant systems like MSP and LoanServ are decades old, stitched together with manual workarounds and fragmented data. Every new regulation adds friction. Every exception slows the system further. Most startups avoid this space because it's too complex, too regulated, and too unforgiving.
We saw that entrenched complexity not as a warning sign, but as a moat waiting to be claimed by a team willing to do the hard things right.
Become the operator first
To rebuild the system, we had to run it ourselves.
Valon became a fully licensed, nationwide mortgage servicer approved by Fannie Mae, Freddie Mac, and Ginnie Mae. We took responsibility for every rule, every audit, and every edge case, moving billions of dollars daily under full regulatory scrutiny.
That decision forced us to internalize the complexity we set out to conquer. The result is battle-tested infrastructure forged in production, not theory.
From operator to platform
What began as a tech-enabled national servicer has evolved into ValonOS, the AI-native operating system that powers our own operations and now those of major institutions. ValonOS unifies payments, ledgers, and workflows into a single system of record built for regulated complexity.
We've proven it works at scale.
Now institutions are deploying ValonOS to replace legacy cores, modernize servicing, and operate with the precision we've already demonstrated in production.
An AI-native foundation for regulated services
Regulated services are built on complex workflows and constant decisions, making it the ideal terrain for AI if you have a unified system of record.
ValonOS sits at the core of all operations, giving us one of the richest, most structured datasets in finance. Our AI operates inside the ledger with full context, not bolted onto disconnected systems. Every action is auditable. Every decision is traceable. Every insight compounds across customers.
We're not adding AI as a feature. We're embedding intelligence directly into the infrastructure that moves money and proves compliance.
A repeatable playbook
Our ambition is simple: to become the default operating system for regulated industries worldwide. Mortgage servicing is just the first proof point. The same architecture applies to every sector where complexity has kept modern software out, from property insurance to healthcare revenue cycle management.
ValonOS is built to change that, unifying ledgers, workflows, and decision-making into a single programmable platform. From that foundation, we embed intelligence directly into the systems that move money across the financial system.
We've already done the hardest part by proving the model in one of the most complex corners of finance. Now it's time to scale.