Company
Building the readiness layer for home-buying.
Moxim transforms a person's own bank data into a clear illustration of where they stand, and a verified credential they own and can take to any broker or lender on Moxim. We are building the trust layer between people buying homes and the people who help them get there.
Moxim Readiness Credential
Illustrative credential seal- Identity
- Income (Government-sourced)
- Affordability
- Property
- Credit (with your authorisation)
- Open Banking: account facts
A verified, consumer-owned credential. Illustrative demo.
Why we built this
The world is changing. Finances are getting more complex. No-one is solving the problem of financial complexity for you. Your financial data tells your story, and no-one is helping you write it. Open Banking made that story readable for the first time, and Moxim is built to help you write it.
Who we are
A small team from fintech, lending, banking and data science. We have laboured through the mortgage process from both sides, and we think there is a better way. Our solution was showcased at the FCA Mortgages TechSprint 2025.
How we handle your data
With your consent, which you can withdraw at any time, we have read-only access to your bank data. We never see your bank or other credentials. The report is yours, and you decide who sees it and when.
Our infrastructure
We use FCA-regulated Open Banking infrastructure, Government-sourced income data, and KYC and AML-screened identity checks. Every evidence lane is verified independently before it becomes part of your verifiable credential.
The Platform
Five evidence lanes, each verified in its own right, are combined into one consumer-owned credential with three consent-controlled views.
Everything in operation in the pilot today — illustrative and educational until authorisation: never advice, a quote, or a lending decision.
- Open Banking transaction analysis
- Government-sourced income data
- Experian soft credit check
- Digital identity verification with AML screening
- Automated property valuation
- AI-generated broker narrative
- Portable readiness credential (W3C Verifiable Credential format; illustrative until issued from connected data)
Built on an affordability engine that categorises every transaction — an illustrative methodology, not a lending decision.
Spending tier analysis
Illustrative tier breakdown for a synthetic household: £4,250 monthly income, £1,900 disposable. Not an assessment.
Affordability read
Share of income remaining after commitments · illustrative
Multi-bank aggregation
Shown with the platform’s real interface components on one synthetic household — illustrative data, an illustrative methodology, not a regulated assessment or a lending decision.
See it working
The clearest way to understand Moxim is to use it. The experience is a working, AI-native walkthrough of the product, not a mock-up. It runs on illustrative data, not a live assessment.
See the experience