Innovation, the Credit Union Way
VAIIL is a CUSO turning member insights into real solutions in weeks—not years. Prototype. Launch. Grow.
ABOUT VAIIL
An Innovation Lab, Built by and for Credit Unions
VAIIL is a Credit Union Service Organization (CUSO) founded in 2025 by Vizo Financial Corporate Credit Union and Quantworks. Our mission is simple: give credit unions the speed, expertise, and tools to turn bold ideas into real solutions—without the cost, complexity, and delays of going it alone.
SERVICES
Agile solutions for credit unions
VAIIL builds and launches innovative fintech solutions that help credit unions grow, compete, and better serve their members. We combine deep credit union insight with agile development to turn big ideas into scalable, real-world tools.
Discovery
Uncover and validate ideas that solve real member and market needs.
Product Prototyping
Rapidly build and refine working MVPs through agile development.
Launch & Scale
Support go-to-market, testing, and growth across the credit union ecosystem.
VAIIL builds and launches innovative fintech solutions
Our products helps credit unions grows, compete, and better serve their members. We combine deep credit union insight with agile development to turn big ideas into scalable, real-world tools.
VAIIL as the larger company and defaultsleuth is the first product to come out.” with “An AI-driven risk intelligence platform that helps credit unions spot financial strain early and reduce charge-offs.
Our Product
Agile solutions for credit unions
VAIIL builds and launches innovative fintech solutions that help credit unions grow, compete, and better serve their members. We combine deep credit union insight with agile development to turn big ideas into scalable, real-world tools.
Our Product
Built for Credit Unions
Tailored for the way you work.
Proactive Risk Detection
See financial strain before it becomes loss.
Intelligent Prioritization
Focus on making a difference.
Your Team Deserves Better
DefaultSleuth gives outreach clarity.
Clients & Partners
Who We’ve Worked With
LATEST BLOG & INSIGHTS
Checkout Our Latest Insights And Blogs
How Credit Unions Can Win the Digital Loan Revolution
Fintechs and big banks are meeting these expectations. At Valli LLC, we’ve helped credit unions cut loan approval times by 80% while maintaining their relationship-focused advantage.
How Credit Unions Can Compete with Digital-First Banks
Digital banking adoption has skyrocketed, with 78% of consumers now preferring to manage finances via mobile apps.
From Idea to MVP: A Step-by-Step Guide for Credit Unions
In today’s competitive financial landscape, credit unions need to innovate faster than ever.
Contact Us
Let’s get started together!
Drop your queries to Start Your Innovation Journey
Mailing Address
7900 Triad Center Dr., Suite 410 Greensboro, NC 27409
Mailing Address
7900 Triad Center Dr., Suite 410 Greensboro, NC 27409
Email Us
Schedule a Demo
calendly.com/brandonmcadams/defaultsleuth