Credit unions exploring clean transportation loans face an operational hurdle: confirming ongoing bicycle and e-bike use without burdening staff or altering core lending systems. The Dandy Horse addresses this challenge through a structured 120-day validation pilot that evaluates member mobility engagement while leaving loan origination and underwriting authority entirely with the financial institution.

Patented Activity Verification Without Core System Access

Modern micro-mobility financing programs often require proof of active use to qualify for green loan rate discounts, employer subsidies, or municipal clean air grants. Relying on self-reported mileage or unverified GPS logs creates compliance risks and manual overhead.

The Dandy Horse uses verification methods established under U.S. Patent 11,998,801 B2, titled “Systems and Methods for Verifying Physical Activities of Users.” The system applies the VIDAT model—Verification, Inspection, Demonstration, Analysis, and Testing—to validate authentic human-powered and electric-assisted cycling. The platform operates independently of core banking networks, delivering verified activity data through clean reporting rather than invasive system integrations.

The 120-Day Pilot Structure

The pilot program allows credit unions and Credit Union Service Organizations (CUSOs) to evaluate mobility data fidelity across a controlled member cohort. Participating institutions validate member engagement without modifying existing loan origination software.

Cohort onboarding and baseline data alignment for participating borrowers
Continuous trip verification using the patented VIDAT evaluation framework
Aggregated reporting on ride frequency, commute patterns, and program participation
Final pilot assessment measuring administrative efficiency and member loan performance

Maintaining Compliance and Underwriting Boundaries

Institutional risk management requires strict operational boundaries. The Dandy Horse does not make credit decisions, process loan payments, or alter member financial records. Underwriting standards, interest rate tiering, and credit approvals remain under the sole discretion of the credit union.

By keeping verification isolated from core banking systems, institutions can test sustainable lending incentives with zero technical debt and complete regulatory compliance.