ShieldVIN is the clearinghouse for titled collateral, making a double-pledged VIN or HIN impossible to hide. One API call before you fund. Perpetual monitoring after.
The ShieldVIN explainer, embedded live: one check from clean application to caught conflict. Press play (or Replay) inside the frame to watch with sound.
No one. Title history shows the past. Nothing shows the moment a second lender pledges the same VIN. The same vehicle can secure two loans at two different lenders, and neither one knows, because the evidence lives inside another institution's walls. The records that could catch it are split across fifty states and updated only after the loan funds. That's double-pledge fraud. Every lender carrying auto, powersports, RV, or marine paper is exposed to it today.
When a loan application arrives, one API call answers in seconds: is this VIN or HIN already pledged, fraud-flagged, or under investigation anywhere in the network?
Answer in secondsFund the loan and your lien is watched perpetually, automatically. If another lender touches the same collateral, a webhook hits your system.
Webhook within minutesIf there's a conflict, ShieldVIN brokers a consent-based handshake between the two institutions. Both sides agree before anyone is identified. Then you talk directly.
Both sides consent firstA check protects one loan. A Deal Room protects a portfolio deal. A Portfolio Sweep runs both books against each other and against the clearinghouse before money moves.
Upload your lien list and invite your counterparty with one link. They don't need to be a member. A seller can upload their liens, pay a flat per-lien rate, and be done.
One link to inviteEvery lien on both sides is checked against the other party's book and the clearinghouse. Your monitored liens sweep free. You pay only for liens outside your book.
Monitored liens sweep freeIf both parties claim the same vehicle, both see it. You get full detail on your own assets only: who else claims them and how to reach them. The other side's exposure is a count, never their book.
Outside lienholders are alerted tooShieldVIN is the clearinghouse where every member lender checks a VIN or HIN before they fund. You reach it through your own stack: one call to verify, one webhook when a conflict appears. It runs where your team already works, so there's no new screen to learn, no daily login, and no workflow to relearn.
# Before you fund: is this collateral clean? curl https://api.shieldvin.com/v1/verify \ -H "Authorization: Bearer $SHIELDVIN_KEY" \ -d '{ "identifier": "1G1YZ23J9P5800001", "type": "HIN", "register_lien": true }' # → 200 OK { "status": "clear", "monitoring": "active", "network_members_checked": 214 }
# Another lender touched your collateral { "event": "collateral.conflict", "identifier": "1G1YZ23J9P5800001", "detected_within": "minutes", "counterparty": "de-identified", "action": "consent_handshake_available" }
The clearinghouse never exposes your portfolio, your borrowers, or your records. Identity is exchanged only when both institutions consent, and every consent is logged.
Bank-grade. Regulator-ready.Every new member makes every other member harder to defraud.
Each one solves a different problem, and solves it well. None flags an active lien conflict across institutions, in real time, on the VIN or HIN.
One API call tells you if that VIN or HIN is already pledged at another institution, and watches it for as long as you hold the loan.