An idea from Lucky Ranasinghe.

VestLimit is owned by Lucky Ranasinghe at MADITECH. It explores whether invested deposits could back a card limit, with behaviour informing a separate score.

VestLimit is a product idea being designed by Lucky Ranasinghe. No card, credit, account or investment is offered today. Launching it needs a bank or card-issuing partner, a brokerage partner and legal review.

What is being explored

The design starts with a share of a member’s own investment portfolio as collateral, an initial buffer and a behaviour score. Payment reporting would depend on a future issuing partner. Safety goals include gradually lowering a limit as collateral falls and selling only as a last resort; these are not protections available today.

What VestLimit is not today

VestLimit is not an operating card programme, lender, bank, brokerage or investment account. No money is accepted, no credit is checked and nothing is reported to credit bureaus. The illustrators do not establish eligibility, terms or a lending decision.

Talk to the person designing it

Questions and potential partner conversations go directly to [email protected].