YieldStack VS Tessio

YieldStack's answer

The largest CRE Lenders in the USA

YieldStack's answer

AI integrations supporting the platform’s workflows.

Tessio's answer:

.NET and ASP.NET Core, PostgreSQL and Valkey, a Next.js dashboard, all running on EU infrastructure. The protocol layer is OpenID4VP 1.0 with SD-JWT VC and ISO 18013-5 mdoc credentials. The verifier library, Tessio.Verifier, is Apache-2.0 on NuGet.

YieldStack's answer

YieldStack combines AI-assisted lender matching with hands-on commercial mortgage brokerage. Borrowers submit once, compare financing options, and work with a team that handles structuring, negotiation, and closing coordination. Borrowers approve lender outreach, with no upfront fees and a broker fee paid only at closing.

Tessio's answer:

Tessio verifies age from the EU Digital Identity Wallet instead of collecting documents or selfies. The credential it requests carries age booleans and nothing else: no name, no date of birth, no document number, no photo. That means there is no identity data to store, leak or audit, and it is a property of the protocol rather than a promise, so you can verify it yourself. The verifier underneath is open source and passes the OpenID Foundation conformance suite for OpenID4VP 1.0 HAIP verifiers in both EU credential formats.

YieldStack's answer

YieldStack helps borrowers evaluate the whole financing offer: rate, leverage, fees, reserves, prepayment terms, and closing requirements. Its platform organizes the process, while its brokerage team helps borrowers find suitable lenders and move the deal forward. One submission gives borrowers a coordinated financing process without an upfront brokerage fee.

Tessio's answer:

Most age verification vendors solve the regulator's problem by creating a data protection one: you end up holding ID documents or biometric data. Tessio asks a narrower question and receives a narrower answer, a signed yes or no. For platforms under the UK Online Safety Act, the EU Digital Services Act or gambling licences, that removes the breach surface and most of the GDPR overhead instead of managing it. And because the verification core is open source, a technical reviewer can check the claims before ever talking to us.

YieldStack's answer

Commercial real estate investors, developers, operators, and mortgage brokers seeking bridge, DSCR, fix-and-flip, construction, multifamily, and permanent financing across the United States.

Tessio's answer:

Compliance and product teams at age regulated platforms in the EU and UK: iGaming operators, nicotine and alcohol e-commerce, dating and social apps, and the platform providers that serve them. The integration is a REST API with webhooks, built to be wired in by one developer in an afternoon.

YieldStack's answer

Rommin Adl and Daniel Chesney founded YieldStack to simplify commercial real estate financing. The platform brings deal preparation, lender matching, offer comparison, and closing coordination into one workflow, combining AI-assisted analysis with human brokerage expertise.

Tessio's answer:

Tessio is built by a small studio in Stockholm (Triple Down AB). The starting point was a regulatory collision: age checks are becoming mandatory across Europe while the usual methods, document upload and face scanning, create exactly the data protection risk the same regulators punish. The EU Digital Identity Wallet made a third way possible for the first time: a credential that proves an age threshold and contains nothing else. We built the verifier, open sourced it, ran it through the OpenID Foundation conformance suite, and put a hosted API on top. It is early and access is invite only, and the site says so plainly.