Mr. Mike Marrandino reports

INVERITE LAUNCHES DEFAULT IQ FLEX TO EXPAND TRANSACTION-BASED RISK INTELLIGENCE COVERAGE

Inverite Insights Inc. has launched Default IQ Flex, a new addition to the company's Default IQ risk intelligence suite designed to expand access to predictive delinquency insights across a broader range of lending programs and financial institutions.

Many lenders request approximately 90 days of banking transaction history as part of their underwriting process. Default IQ Flex was developed to align with these workflows, enabling lenders to generate predictive delinquency insights using as little as 75 days of banking transaction history while maintaining existing application and verification requirements.

The launch introduces a dual-model approach to delinquency prediction:

• Default IQ Core -- Inverite's established risk intelligence model, designed for consumers with more extensive banking history;
• Default IQ Flex -- a complementary model capable of generating predictive delinquency insights using shorter banking history periods, expanding score coverage and enabling more applicants to be assessed.

Both models leverage Inverite's proprietary transaction categorization, cash flow analysis and machine learning infrastructure to identify behavioural patterns associated with repayment performance and early stage delinquency. The models analyze income stability, spending behaviour, cash flow consistency, balance trends, NSF activity and other financial indicators associated with future repayment outcomes.

In addition to supporting banking data obtained through Inverite's Bank Verification platform, Default IQ can also be applied to transaction data sourced from third party providers or transaction data already maintained by financial institutions. Through Inverite's proprietary enrichment and categorization engine, raw transaction data is transformed into structured financial insights before being analyzed by the Default IQ models.

This flexible architecture allows banks, credit unions and lenders to leverage Inverite's risk intelligence using transaction data they already possess, reducing implementation complexity and eliminating the need to replace existing banking data providers or underwriting workflows. Financial institutions can generate predictive delinquency insights from existing transaction data sets, creating opportunities to strengthen lending decisions, risk management processes and portfolio monitoring capabilities.

The ability to operate on existing transaction data extends Default IQ beyond new loan underwriting. Banks, credit unions and lenders can apply the models to existing customer portfolios to identify emerging risk trends, monitor portfolio health and generate behavioural risk insights from transaction data already available within their organizations. This creates opportunities to support risk management and portfolio monitoring initiatives without requiring additional customer data collection. "Many lenders and financial institutions already have access to valuable banking transaction data but lack practical ways to convert that information into predictive risk intelligence," said Karim Nanji, chief executive officer of Inverite. "Default IQ Flex expands score coverage, supports shorter underwriting workflows and enables lenders to leverage the banking data they already collect today. Whether the transaction data originates from Inverite, another provider or a financial institution's own systems, our platform can transform that data into actionable delinquency intelligence. By making our risk intelligence models more accessible and easier to deploy, we are expanding the reach of transaction-based risk analytics across financial services."

Together, Default IQ Core and Default IQ Flex provide lenders with a flexible framework for generating predictive delinquency insights across varying underwriting requirements and banking data availability. The expanded model suite increases the range of lending programs and financial institutions that can benefit from transaction-based risk intelligence while preserving existing operational workflows.

The launch further strengthens Inverite's Verification & Risk Infrastructure platform, which combines bank verification, identity verification, fraud prevention, alternative credit intelligence, and risk scoring into a single integrated solution for Canadian lenders and financial institutions.

Inverite is also pleased to announce a non-brokered private placement of 25-cent units, for gross proceeds of up to $1-million. Each unit comprises a common share and one-half warrant. Each whole warrant is exercisable to purchase a common share at a price of 35 cents for a period of two years. The company may pay finder fees in accordance with applicable laws and exchange requirements. All securities issued will be subject to a hold period expiring four months and one day from the closing date.

About Inverite Insights Inc.

Inverite Insights is a Canadian risk intelligence infrastructure company specializing in real-time financial data and artificial-intelligence-driven intelligence. The company's platform helps financial ecosystem participants better understand financial activity, risk behaviour and real-time financial patterns through permissioned financial data infrastructure.

We seek Safe Harbor.