The RME ingests applicant data from up to 7 sources - including Experian, TrueLayer (Open Banking), and Onfido (KYC) - applies an ML scoring model, and returns a risk grade (A–E) plus an underwriting decision in under 60 seconds.
The AI Risk Management Engine for the UK Private Rented Sector
Vyronex powers professional rent guarantors, letting agents, and BTR operators with AI-assisted underwriting, real-time risk scoring, and automated tenancy lifecycle management - built on Oracle Cloud Infrastructure.
AI Risk Scoring
Multi-source ML scoring from Experian, Open Banking, and KYC providers - delivering an underwriting decision in under 60 seconds.
1.API-First Platform
Every platform function exposed via versioned REST API. New partner integrations go live in under 2 working days.
2.Portfolio Analytics
Real-time Expected Loss, Unexpected Loss, and concentration risk metrics for institutional landlords and BTR operators.
3.Who We Are?
Vyronex is building the technology operating system for the UK Private Rented Sector - enabling professional guarantors, letting agents, and Build-to-Rent operators to assess tenant risk, automate compliance, and manage tenancy portfolios at institutional scale.
Mission.
To replace paper-based tenancy risk processes - unchanged since the 1990s - with AI-assisted data analytics, making institutional-grade underwriting accessible to every participant in the UK Private Rented Sector.
Vision.
- AI underwriting replacing personal guarantors for non-UK national tenants
- Real-time risk monitoring throughout the full tenancy lifecycle
- Full Renters' Rights Act 2025 compliance built into every workflow
Trusted Technology Integrations
Vyronex integrates with the UK's leading data providers - Experian, TrueLayer, Equifax, and ComplyAdvantage - to deliver comprehensive applicant risk profiles in real time.
Platform Modules
Five integrated modules covering the full tenancy lifecycle - from application underwriting to portfolio analytics and compliance automation.
Tenant Onboarding
Digital KYC/AML, Right-to-Rent automation, Open Banking consent, and multi-applicant household management in one seamless flow.
Risk Management Engine
AI-assisted underwriting with multi-source data ingestion, ML risk scoring (grades A–E), and a full audit trail per application.
Lifecycle Management
Automated payment schedules, periodic risk monitoring, tenancy renewals, and Deed of Surrender processing throughout the tenancy term.
Arrears & Claims
Our learning management system creates a personalized experience for learners
RME - FAQs
The Risk Management Engine delivers AI-assisted underwriting, real-time risk scoring, and automated tenancy lifecycle management - purpose-built for the UK Private Rented Sector.
How accurate is the AI risk scoring model?
The production ML model targets an AUC-ROC of >0.78 on live UK PRS data, with SHAP-based explainability providing per-application decision factors for full regulatory transparency and insurer reporting.
Does the platform monitor risk after the tenancy starts?
Yes. The lifecycle monitoring module refreshes risk scores monthly using Open Banking updates, credit file changes, and payment behaviour - detecting emerging risk before arrears occur, with automated D0–D61 escalation workflows.
How does the platform integrate with existing systems?
The platform is API-first - every function is exposed via a versioned REST API (OpenAPI 3.0). New partner integrations go live in under 2 working days using our white-label SDK, with no legacy constraints.
Is the platform compliant with the Renters' Rights Act 2025?
Yes. The Compliance Automation Engine (WP6) integrates directly with the PRS Database and automates Right-to-Rent artefacts, AML logs, and GDPR records - built for full Renters' Rights Act 2025 compliance from day one.
Who can use the Vyronex platform?
The platform is designed for professional rent guarantors, letting agents, Build-to-Rent operators, and Programme Managers who require institutional-grade tenant risk analytics, portfolio monitoring, and compliance automation at scale.