BedRock

Product Introduction

1. Definition: BedRock is a fintech compliance platform specializing in Digital Lineage Verification for non-US founders seeking US business banking access. It automates LLC formation, EIN acquisition, and bank account opening while ensuring ongoing regulatory compliance.
2. Core Value Proposition: BedRock enables founders from high-risk or restricted countries (e.g., Nigeria, Pakistan, Ukraine) to bypass traditional banking rejections by verifying legitimacy through immutable digital history (GitHub, Stripe, LinkedIn) instead of unreliable documents, significantly improving US bank approval odds.

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Main Features

1. Digital Lineage Verification:

   • How it works: Integrates with GitHub (analyzes 5+ years of commit history/repos), Stripe (verifies transaction volume/consistency), and LinkedIn (validates professional connections/employment history). Uses behavioral analytics and timestamped data to create a deepfake-resistant identity profile.
   • Technology: Proprietary algorithms cross-reference signals across platforms to detect synthetic identities or fraud.

2. Trust Score:

   • How it works: Generates a numerical score (0-100) evaluating 6 dimensions: Digital Lineage, Professional History, Financial Activity, Identity Confirmation, Trust Network (connections/endorsements), and Web Presence. This score is packaged with applications to banks as proof of legitimacy.
   • Technology: Machine learning models weight activity recency, volume, consistency, and network strength.

3. Anti-Freeze Shield (Premium Plan):

   • How it works: Monitors business bank transactions in real-time. Uses AI to flag potentially suspicious payments before submission, provides documentation guidance, and auto-generates responses to bank inquiries to prevent account freezes.
   • Technology: Transaction pattern recognition AI coupled with compliance rule engines.

4. Automated Compliance Suite:

   • How it works: Handles mandatory US filings: BOI Report (Beneficial Ownership Information), Form 5472 (for foreign-owned LLCs), and annual state reports. Sends deadline reminders and files directly.
   • Technology: Integration with US government portals (e.g., FinCEN) and calendar automation.

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Problems Solved

1. Pain Point: Traditional KYC Failure. Banks rely on passports/selfies vulnerable to deepfakes (up 300%), rejecting founders with expired documents or from 100+ automatically blacklisted countries.
   • Keywords: KYC failure, banking blacklist, document rejection, deepfake fraud.
2. Target Audience:
   • Tech founders/startups in restricted countries (Nigeria, Pakistan, India, Ukraine, etc.) with verifiable digital footprints but lacking "standard" documents.
   • Founders from sanctioned regions (e.g., Belarus, Russia) with expired passports who cannot return to renew them.
   • SaaS founders with Stripe revenue history seeking US banking.
   • Developers/Engineers with significant GitHub activity.
3. Use Cases:
   • A Nigerian SaaS founder with $50k Stripe revenue denied by Mercury due to country restrictions uses BedRock’s Digital Lineage to prove legitimacy and open a US account.
   • A Ukrainian developer in Berlin with an expired passport forms a US LLC and gets banked via Trust Score.
   • A Pakistani e-commerce business avoids account freezes using Anti-Freeze Shield after unusual supplier payments.

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Unique Advantages

1. Differentiation vs. Competitors:

   Feature	BedRock	Stripe Atlas	Doola	Mercury
   Restricted Country Support	✅ (100+)	❌	Limited	❌ (17+ bans)
   Digital Lineage Verification	✅ Core	❌	❌	❌
   Deepfake-Proof ID	✅	❌ (Doc-based)	❌	❌
   Approval Guarantee	✅ (Premium)	❌	❌	❌
   Anti-Freeze Shield	✅	❌	❌	❌

2. Key Innovation:
   • Digital Lineage as Proof of Personhood: Moves beyond static documents to analyze years of immutable, multi-platform digital activity (code commits, financial transactions, professional networking) – impossible to fake retroactively.
   • Trust Score as a Banking Passport: Quantifies founder legitimacy for banks in high-risk scenarios, replacing unreliable country-based risk models.

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Frequently Asked Questions (FAQ)

1. Which countries does BedRock support for US banking access?
   BedRock supports founders from over 100 high-risk or restricted countries (including Nigeria, Pakistan, India, Ukraine, Egypt, Brazil, Kenya), using Digital Lineage to overcome traditional banking blacklists. Even founders from OFAC-sanctioned regions may qualify with strong digital footprints.

2. How long does the BedRock US LLC and bank account process take?
   Digital Lineage verification takes ~10 minutes. Trust Score is instant. LLC formation takes 3-7 days, EIN acquisition 4-14 days, and bank approval 7-14 days. The full process typically completes within 3-5 weeks.

3. How is BedRock different from Stripe Atlas?
   Stripe Atlas forms LLCs but relies on traditional KYC (passport/selfie) and often rejects founders from the same restricted countries as banks. BedRock uses deepfake-proof Digital Lineage Verification (GitHub/Stripe/LinkedIn history) specifically to get these founders approved by banks, offers multiple bank options, and provides ongoing compliance/anti-freeze protection.

4. What happens if a bank rejects my application through BedRock?
   Basic plan users can re-apply to 1 bank. Standard/Premium plans include 3+ applications. BedRock’s AI drafts appeal letters using your Trust Score data. Premium offers an approval guarantee – if no bank approves, you get a full refund.

5. Do I need to be in the US or have a US address to use BedRock?
   No. BedRock is designed entirely for remote founders. You can complete verification, form your LLC, get an EIN, and open a US business bank account without ever visiting the US. A registered agent address is provided.