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VAIIL · An innovation lab for the credit union movement

From idea to impact, fast.

A credit union service organization founded by Vizo Financial Corporate Credit Union and Quantworks, giving credit unions the speed, expertise, and tools to ship real solutions without going it alone.

Explore our platforms Let's talk
Greensboro, NCFounded 2025Backed by Vizo Financial
Serving credit unions of all asset sizes◆ Backed by Vizo Financial◆ Bespoke models · per institution◆ Founded 2025 · Greensboro, NC◆ Two platforms · one discipline◆ Serving credit unions of all asset sizes◆ Backed by Vizo Financial◆ Bespoke models · per institution◆ Founded 2025 · Greensboro, NC◆ Two platforms · one discipline◆
01 The platforms Built with and for credit unions

DefaultSleuth moves collections from reactive to predictive, protecting members and the balance sheet. CU Fluent turns training into conversational readiness for the people who talk to members every day.

app.defaultsleuth.com/dashboard
Dashboard
Work Queue
Opportunities
AI Assistant
Admin
Export Data
demo@yourcu.org
Total Loan Portfolio
$375,348,675-6.17%
Total Balance at Risk
$5,223,246-5.99%
Total Balance Saved
$1,203,450+4.1%
Balances by Core Status
Active (7,490) 30–89 Days (87) 90+ / NPL (52)
Charge-Off Rate · Actual vs Expected
Healthy$357,238,434
Watchlist$11,987,857
Intervention$6,122,384
RISK TIERBALANCELOANSTOP DRIVER
CRITICAL$1,230,06734DEPOSIT VOLATILITY
HIGH$3,092,345151PAYMENT TIMING
MODERATE$7,890,214612UTILIZATION
DefaultSleuth
Follow the clues. Prevent the loss.

The AI-powered collections platform for credit unions. It detects financial strain up to three months before the first missed payment and prioritizes the work that changes the outcome.

IN PRODUCTION · 87% PRECISION ON ~131K REAL LOAN SNAPSHOTS
Deployed Visit the site →
app.cufluent.com/branch/main-street
CU FLUENT
Dashboard
Staff
Readiness
Lesson Library
Sessions
Assign
Analytics
Export
74
Team readiness score · +6 vs last month
3
Need attention · below 65 threshold
42
Sessions this week · +18% vs prior
81
Avg. session score · stable across roles
Staff readiness · Main Street branch
Alicia TorresMSR
88
Marcus WebbTeller
83
Dana KimMSR
72
Jordan PriceLoan Officer
91
Renee FosterTeller
58
Tyler HainesTeller
61
Skill breakdown · team average
Member Communication84
Deposit Products79
Loan Products68
Consultative71
Objection Handling62
Compliance & Standards77
CU Fluent
Built for conversations that matter.

AI voice coaching for front-line staff. Real practice, scored in real time, so teams know what to talk about and how before the member is standing there.

Now in beta Visit the site →

Two platforms. One conviction:
credit unions deserve modern software.

02 About VAIIL

VAIIL is an innovation lab, built by and for credit unions. Founded in 2025, we pair the cooperative system's reach with a dedicated data science and engineering team, and every model we ship is bespoke to the institution it serves.

Built for credit unions. Every project starts with cooperative principles and member value as the priority.
Faster to market. Agile discovery, prototyping, and launch: concept to production in weeks, not years.
Proven expertise. Vizo Financial's credit union network, Quantworks' product development power.
Risk mitigation. Shared resources and cooperative investment keep costs down and success rates high.
Co-owner · Corporate credit union

Vizo Financial

A corporate credit union serving member institutions across the country: our backing, our distribution, and the reason we speak fluent credit union.

Co-owner · Data science & engineering

Quantworks

Data scientists and engineers who build AI systems for financial institutions: our product and modeling engine.

QUANTWORKS HAS BUILT AND SHIPPED FOR
Partners & affiliates across financial services, healthcare, retail, and consumer brands.
03 How we build Idea to production in weeks, not years

We combine deep credit union insight with agile development to turn big ideas into scalable, real-world tools. It's the same discipline behind DefaultSleuth and CU Fluent, and behind whatever comes next.

01 · Discovery

Find the real problem

Uncover and validate ideas that solve real member and market needs, with credit unions in the room from day one.

02 · Prototyping

Build the working thing

Rapidly build and refine working MVPs through agile development. Concept to a demo you can click, in weeks.

03 · Launch & scale

Take it to the movement

Go-to-market, testing, and growth across the credit union ecosystem, with distribution through the cooperative system.

04 Board & leadership Operators from both sides of the partnership

Fred Eisel

President & CEO, Vizo Financial Corporate Credit Union

Jeff Stoner

EVP / Chief Strategy Officer, Vizo Financial

Brent Shaffer

Chief Technology Officer, Vizo Financial

Anthony Volpe

Co-Founder & Innovation Lead, Quantworks

Nick Ghitelman

Co-Founder & Managing Principal, Quantworks

Next stepDrop us a line · we answer fast
THE VAIIL PHILOSOPHY

“Fall in love with the problem, not the solution.”

It's how everything we ship gets built: DefaultSleuth, CU Fluent, and whatever comes next.
05 Let's get started together

Drop your questions to start the conversation: a demo, a technical briefing, or an idea you think the movement needs.

Mailing address7900 Triad Center Dr., Suite 410
Greensboro, NC 27409
Email ussupport@vaiilsolutions.com
Book a demosales@vaiilsolutions.com
Billingbilling@vaiilsolutions.com