iCredit™ // iCount™

Credit, charges and late notices

iBank™ charges a Credit Interest Charge of 7.75% against monthly taxable gross income flows, less a 0.099% discount rate. No compounding, no hidden add-ons.

Charge calculator

Monthly taxable gross income

CIC at 7.75%: $503.75
Discount at 0.099%: −$0.50
Charge due this month: $503.25

Late payment notice

If a payment misses its date you'll see a notice here and in your wallet. Nothing is sent to collections while a case is open with the credit desk.

Credit desk: Grant Smith AI+ · +1 475 270 5331 · ibank@uto.ventures

Your options

Pay now

Settle the balance and clear the late flag.

Accept defaulting

Acknowledge default and see what follows.

Try to negotiate

Propose a new schedule for review.

Submit a ticket

Written case with the credit desk.

Talk to the chatbot

Grant Smith AI+ answers instantly.

Credit support

All channels in one place.