Frequently Asked Questions

DebtVault is a daily debt-paydown planning tool currently in founding access. Today it offers a payoff calculator, a payoff simulator, and daily payoff-plan previews. Automatic bank funding and direct-to-creditor payments are in development and are not yet available.

Not during founding access. Current tools help users preview and organize a payoff plan. Automatic bank funding and direct-to-creditor payments are in development and will be available only after production approval.

Not today: during founding access, DebtVault does not send payments. When automatic payments launch, our aim is daily payments where a creditor supports them, we have verified how they are applied, and the costs make sense. Otherwise payments may be grouped weekly, on payday or before the due date. Any schedule will be shown before you authorize it.

No. DebtVault is not a bank or savings account and does not hold customer funds today. Earlier vault-funding features have been retired. Any future payment flow would use user-authorized funding sent to supported creditors through regulated infrastructure providers, and is subject to approval.

Your required pace is your required monthly payment spread across the days until it is due. For example, a $200 required payment over 30 days is about $6.67 a day. You can choose a higher daily target; $10 a day over the same 30 days is about $300, roughly $100 more than the required $200. Daily progress in DebtVault is a plan, not a payment to your creditor.

No. Earlier extra payments may reduce interest, but results vary by APR, balance, creditor posting rules, payment allocation, and timing. DebtVault’s daily approach is also designed to improve consistency and make large goals feel manageable.

DebtVault is currently evaluating and testing providers. Development or sandbox access is not the same as a live production partnership. Production providers will be listed when integrations are approved and available.

No. Founding Access is free during product testing and includes the calculator, simulator, planning tools, and educational resources. Pricing for future automation will be announced after production infrastructure and compliance approval.