Always know to whom you’re talking.
Never send your data anywhere unless its fully encrypted.
Signivault provides enterprise-ready, regulatory-compliant end-to-end quantum encryption and digital cryptographic identification.
BUILT FOR MORTGAGE AND APPRAISAL DATA
We provide secured communications between trusted parties to support the exchange of sensitive data.
The Signivault RE Stack
The Signivault Real Estate platform is a three-layer security stack built (not vibe coded) for regulated data.
It delivers cryptographic identity, end-to-end encryption, and secure forms which are purpose-built for AMCs, lenders, title agents, and the credit unions and brokers they serve.
Most security products solve one piece of the problem. Signivault Real Estate binds identity, encryption, and workflow into a single platform so every appraisal report, borrower document, and signed submission can be cryptographically traced, protected, and audited.
STACK LAYER 1: IDENTITY – Cryptographic identity cards for customers and vendors.
No more stolen credentials. No more wire transfers without a net.
Individual cryptographic keycards are generated on the user’s platform and then mathematically “signed” by the issuing organization.
This creates a “web of trust” that ensures that you can trace an individual’s keycard’s telemetry (coming soon) all the way through to its issuing organization. Imagine the certainty of always being assured that you know who you’re communicating with, who they represent, and where they come from.
Create Digital Identity Cards with Cryptographic Identity Assurance
Cryptographic identity for organizations and the individuals inside them. Every keycard is generated on the user’s device and signed by the issuing organization, creating a verifiable web of trust.
- Organization and individual keycards
- Cryptographic signing and traceability
- Know-Your-Individual verification (biometrics, government data)
- Mathematically prove who handled a file
STACK LAYER 2: ENCRYPTION / End to End Cryptographic Assurance and Compliance
Our platform cryptographically links individuals’ identities to their organizations and secures data with signed end-to-end encryption.
1. You always know with whom you’re communicating.
2. None of your data is ever communicated without being fully encrypted. Period
Files are encrypted on the sender’s device before transmission and decrypted only on the recipient’s device. Signivault’s own infrastructure handles encrypted blobs and cryptographic identity material. We mathematically cannot read your data, even if we wanted to.
Quantum encryption happens before the file leaves the device.
The sender’s device performs the encryption locally. The plaintext file never enters a network buffer, never reaches an email server, never crosses an intermediate hop.
Signivault never ever sees your unencrypted files.
Our infrastructure handles encrypted blobs and cryptographic identity material. We have no key, no session, no decrypt path. We mathematically cannot read your data.
Decryption happens only on the recipient’s device.
The recipient’s device reconstructs the plaintext using its own private key material. The boundary holds end-to-end. No exceptions, no escrow, no backdoor.
STACK LAYER 3: COLLECTION – Private and Secure forms for multiple industries.
Encrypted from the beginning.
BlankVault is the full-assurance private and secure forms solution for regulated organizations.
With BlankVault you can create custom online forms and workflows and share them with customers, employees, and third-party partners.
Custom forms and workflows that move regulated data like borrower applications, condition responses, and appraisal addenda without ever touching email or unencrypted storage.
- Custom forms and routing logic
- End-to-end encrypted by default
- Cryptographically-signed submissions
- Built for 1003, condition responses, and addenda
91%
Identity is the root cause.
According to the IDSA,* criminals breach organizations by pretending to be someone with access. 91% of organizations reported an identity-related breach in the past year, which is exactly what encryption alone cannot prevent. Without cryptographic identity underneath, every layer above it is built on a forgeable signature.
Know Your Customer
Standard KYC is a snapshot
We are sure you have heard of Know Your Customer, which our AI says are mandatory procedures financial institutions and businesses use to verify a client’s identity, suitability, and risks to prevent money laundering, fraud, and terrorism financing.
Standard KYC is basically a business saying, “I checked this person’s driver’s license once when they signed up.” It’s a snapshot. Three months later, that customer’s identity could be stolen, sold, or faked and the business wouldn’t know.
Once a customer is onboarded, your verification is already out of date — and identity theft, synthetic fraud, and account takeover thrive in the gap.
Know Your Individual
KYI is a solution; possibly the solution.
KYI flips the model. The person owns a cryptographically-signed identity (think of it like a digital passport that math itself guarantees can’t be forged), and any business they choose to deal with can verify it instantly without storing a copy. This is the key difference: our customers sell trust as a reusable utility, not a paperwork exercise.
Opening up a new world of security for all kinds of users is the Identivault cryptographic identity card.
For non-organizational users, such as your individual customers, we offer a “know your individual” service that authenticates individuals against personal identification, biometrics, online identifiers, and government databases.
With Identivault, identity is cryptographically assured.
Don't Panic. Roll up your sleeves and handle it.
Incident, change management, and crisis response by task, user, and skillset.
Something has gone catastrophically wrong. A production system is down. A release shipped a critical bug. A sprint is collapsing. A security incident is escalating. The team needs to coordinate fast, across employees, contractors, and outside vendors, in the middle of the noisiest hour of the quarter.
Today, most companies handle this in a Slack channel, a Jira pile, or a Microsoft Project plan.
All three are the wrong tools for it.
Are today’s solutions adequate?
Slack
800 messages deep in 90 minutes. No structure, no roles, no audit trail. Decisions buried in a thread. New responders lose the context they need in the first 10 minutes.
Jira
Built for backlog management, not for the live response. Tickets multiply, statuses go stale, the actual incident timeline lives somewhere else. Post-mortems get reconstructed from memory.
Microsoft Project
Built for planned work on a Gantt chart, not a crisis at 2 a.m. Assumes a known scope and a stable schedule. Cannot onboard outside responders in minutes, has no live intake, no role-based view of who is doing what right now.
Our Solution
One source of truth. One audit trail. One place the team gathers when everything is on fire.
A bad release. A migration gone wrong. A sprint that needs to escalate fast. Structured intake forms from engineers, QA, product, and outside contractors replace the 800-message Slack channel and the 40-ticket Jira pile-up with one coordinated workflow.
Built for today’s emergencies
Critical Outage
A production system is down. A vendor has failed. Customers are hitting errors.
TriageUp turns the chaos of a multi-team scramble into a structured incident with one source of truth, identity-verified status updates, and a clean audit trail for the post-mortem.
Tech Crisis
A bad release. A migration gone wrong. A sprint that needs to escalate fast.
Structured intake forms from engineers, QA, product, and outside contractors replace the Slack channel that goes 800 messages deep in an hour, with verified identity on every contribution.
Response
Marshal internal responders, bring in external IR contractors on the fly, document containment steps in real time, and hit your disclosure timelines.
Built for the moment when you need a war room, not a chat channel.
What is inside TriageUp?
- Structured intake forms capture incident details in seconds, not buried in a Slack thread.
- External contractor onboarding in under a minute, scoped to a single incident only.
- Stakeholder communication templates for execs, customers, regulators, and the board.
- Role-based dashboards for incident commanders, responders, communicators, and silent observers.
- Automatic incident timeline built from every action, post-mortem-ready before the incident even closes.
- Escalation policies that route to the right people on call without anyone having to remember the rotation.
A PERFECT STORM
Three forces have collided in the mortgage industry. The window to fix the data layer is open right now, but it doesn't stay that way.
47M+
RECORDS BREACHED
The breach epidemic
loanDepot ($86.6M settlement, 16.9M records), Mr. Cooper, and Fidelity National have exposed more than 47 million Americans’ mortgage data since October 2023. Almost every incident traces back to identity failure, not weak encryption.
12/31/25
DEADLINE PASSED
Fannie Mae cyber rules
Lender / servicer compliance was due August 12, 2025. Technology service providers, including AMCs, were due December 31, 2025. Both deadlines have passed. Counterparties are now actively audited against the rules.
11/02/26
HARD MANDATE
UAD 3.6 transition
Every appraisal delivered to Fannie Mae or Freddie Mac on or after November 2, 2026 must use UAD 3.6 / MISMO 3.6. The migration is forcing every AMC and lender to re-evaluate their entire appraisal data stack, including how it’s transmitted.
SOUNDING THE ALARM
UAD 3.6 mandate / November 2, 2026
Day(s)
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Hour(s)
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Minute(s)
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Second(s)
The mortgage industry is about to expose itself to a lot of risk.
On November 2, 2026, every residential appraisal delivered to Fannie Mae or Freddie Mac must use UAD 3.6. Every AMC, every lender, every loan origination system in the country is rebuilding its appraisal stack to make the deadline. And almost every one of them is planning to ship the new bundle the same way the old one moved: as a password-protected ZIP file over email.
UAD 3.6 doesn’t simplify the appraisal package. It supersizes it.
The dynamic URAR replaces every legacy form (1004, 1073, 1025, 2055) with one richer report. The new package adds:
- More structured fields and required photographs
- ANSI Z765-aligned floor measurements
- ADU and manufactured-housing detail
- Solar, leasehold, and disaster-mitigation disclosures
- A MISMO 3.6 XML payload underneath the report
More data. More files. More sensitive PII (Personally Identifiable Information) per package.
Between now and November 2, the industry has to rebuild that bundle. The default? Zip it, password-protect it, send it. It worked for twenty years. Nobody has to learn anything new. Procurement waves it through.
That call is being made right now, in compliance committees, often without anyone asking the only question that matters:
Is a 1989-era compression utility the right container for a $400,000 mortgage and all its financial data? The FBI, and HHS named ZIP-attached phishing the favorite attack vector against U.S. financial services.
WHY NOT ZIP
A password-protected ZIP feels like security. It isn't.
Most AMC-to-lender appraisal delivery still happens as a password-protected ZIP file over email. That’s the same delivery method behind every major mortgage breach since 2023. Here’s the side-by-side.
| Risk Surface / Task | Password-protected ZIP |  |
|---|---|---|
| Sender identity | Spoofable email address | Cryptographic verification |
| Password delivery | Same channel as the file | No shared password — keys never transit |
| Encryption | Often legacy ZipCrypto | Modern end-to-end encryption |
| Malware screening | Bypasses gateway scanning | Recipient-side validation |
| Audit trail | None | Full open / view / forward log |
| Revocation after send | Impossible | Real-time access revocation |
| Compliance reporting | Manual reconstruction | Telemetry / Analytics (coming soon) |
| UAD 3.6 / multi-file delivery | Workflow change required | Native multi-file bundle support |
REAL INCIDENTS. NOT THEORY
Four documented ZIP-based attack campaigns from CISA, the FBI, and threat-intelligence firms.
When CISA, the FBI, HHS, and MS-ISAC issue a joint advisory, it’s because the process is actively breaching data sensitive organizations right now.
Black Basta Ransomware
2024 – 2025
CISA · FBI · HHS
500+ organizations breached
A joint CISA, FBI, HHS, and MS-ISAC advisory (AA24-131a, May 2024, updated Nov 2024) documents Black Basta affiliates delivering Qakbot through ZIP archives containing malicious .lnk shortcut files. Confirmed impact spans financial services, healthcare, and U.S. critical infrastructure.
Reference:
TA551 (Shathak)
THREAT ACTOR
ACTIVE SINCE 2018
Password-protected ZIPs bypassing email gateways
The TA551 / Shathak threat group built a malware distribution service around password-protected ZIP attachments designed specifically to bypass email security gateways. Confirmed payloads include IcedID, Qakbot, and Ursnif: initial-access toolkits used by Conti and REvil ransomware operators.
Reference:
Multilingual ZIP Phishing Campaign
2025
FINANCIAL SECTOR HIT
Banks and finance ministries hacked
Threat-intelligence firm Hunt.io and FortiGuard Labs documented a coordinated 2025 campaign using multilingual ZIP file lures to target financial and government organizations across East and Southeast Asia, deploying Winos 4.0 and the HoldingHands malware family through impersonated finance-ministry emails.
Reference:
Rothschild & Co. impersonation
MAY 2025
CFOS TARGETED
Spear-phishing finance executives
Trellix researchers documented a 2025 campaign in which attackers impersonated a Rothschild & Co. recruiter and delivered a ZIP attachment (Rothschild_&Co-6745763.zip) carrying a VBScript that installed remote-access tooling and opened a hidden admin account. Targets included CFOs and finance executives at banks, insurers, investment firms, and energy companies across multiple continents.
Reference:
Title & Closing Agents
Wire fraud at the closing table. Solved cryptographically.
Wire fraud costs the real estate industry over $1 billion a year. The #1 attack: a spoofed email from “your title company” with new wiring instructions.
Real Scenario
A buyer receives wiring instructions by email. The email looks exactly like one from you — same logo, same name. They wire $280,000 to a fraudster’s account.
The money is gone. You’re fielding calls from your E&O carrier.
The Problem — Why Email Can’t Be Fixed
- Sender identity is spoofable. Anyone can fake your email address, your logo, your signature block.
- No cryptographic proof. There is no way for a buyer to verify the message truly came from you, not an impersonator.
- No revocation. Once sent, you can’t take it back if your account is compromised.
- No audit trail. You can’t prove who opened or forwarded the instructions — or when.
Your exposure: E&O claims, state bar scrutiny, counterparty liability, and referral relationships that evaporate after a single incident.
The Signivault RE Solution
Signivault replaces email-delivered wire instructions with cryptographically-signed, identity-verified delivery. A buyer’s device automatically rejects anything not signed by your verified keycard.
Identivault
Your title company gets a cryptographic keycard — like a digital seal. Every wire instruction you send is signed with it. Impersonated instructions are rejected automatically — no training required on the buyer’s end.
End-to-End Encryption
Instructions are encrypted on your device, decrypted only on the recipient’s device. Nobody in between — not even Signivault — can see the contents.
BlankVault
Replace “reply with your bank info” with an encrypted, cryptographically-signed form. Collect ACH details and closing conditions without ever touching plain email.
| Risk Surface / Task | Email / Phone Call | |
|---|---|---|
| Delivery proof | None | Signed, timestamped, tamper-evident |
| Revocation | Impossible after send | Real-time access revocation |
| Audit trail | None | Full open / forward / view log |
| Fraud outcome | Buyer wires funds to fraudster | Buyer's device rejects unsigned instructions |
WHO WE SERVE
Built for every party in a mortgage transaction (and for the regulators watching them).
Appraisal Management Companies
Replace the password-protected ZIP without changing your appraiser workflow. One AMC, hundreds of appraisers, native multi-file UAD 3.6 delivery. Built for Fannie Mae’s tech-service-provider requirements.
Mortgage Lenders & Servicers
End-to-end encrypted intake of borrower documents and appraisal reports. Cryptographically-signed loan files. Audit-ready evidence for regulators, examiners, and counterparty reviews.
Title & Closing Agents
Replace the password-protected ZIP without changing your appraiser workflow. One AMC, hundreds of appraisers, native multi-file UAD 3.6 delivery. Built for Fannie Mae’s tech-service-provider requirements.
Mortgage Lenders & Servicers
End-to-end encrypted intake of borrower documents and appraisal reports. Cryptographically-signed loan files. Audit-ready evidence for regulators, examiners, and counterparty reviews.
Independent Appraisers
Cryptographically sign every appraisal report you produce. Prove provenance to lenders, AMCs, and Fannie Mae. Replace email-PDF delivery with a tool that protects your license, your reputation, and your client.
Mortgage Brokers
Collect borrower documents through encrypted forms — no more “send me your W-2 over email.” Cut data-handling liability, satisfy lender InfoSec questionnaires, and close faster with verified document provenance.
Contact Us for a Demo
Contact Person:
Kenn Leuzinger
kenn@Signivault.com
214.945.8921
Click here to set a meeting and book time with Kenn.
Reach out to us on LinkedIn:
Address:
Signivault Inc.
5820 Long Prairie Rd. Suite 700 – 171
Flower Mound Tx. 75028