Frequently asked questions

Inside the Aster Key app, you can connect to your bank and investment accounts using Plaid (or similar services), enhanced with Aster Key’s extra security layer. We encrypt all data end-to-end and do not see or store your login credentials. After you apply for a loan, the bank or lender will guide you through additional required document verifications to meet underwriting standards.

Participating lenders provide an “anonymous/incognito‑mode” channel that links to the Aster Key app via Apple’s App Store and Google Play. Accessing Aster Key directly on your mobile device ensures maximum security.  You can also download Aster Key directly from the app stores to find participating lenders.

1. Create a secure, anonymous financial profile you can update throughout your life.
2. Access a dashboard to track your net worth and compare with national benchmarks.
3. Maintain privacy and protect your data from hackers.
4. Use time-saving features, like generating a verified Proof of Funds letter.

Your financial data is stored only on your mobile phone—Aster Key does not store it on our servers. We use end-to-end encryption and keep your financial information separate from your identifiable data.

Self-verifying organizes your financial profile and tracks your financial health. However, to close a loan, verified data is mandatory. Inaccurate or dishonest information will prevent approval.

Aster Key’s patented system layers data protection using:

1. End-to-end encryption
2. Stripping of personally identifiable information
3. Blockchain-verified proofs—delivering unmatched data privacy and security.

Yes—and the patent has a pretty memorable title:  “Apparatus, Systems and Methods for Storing User Profile Data on a Distributed Database for Anonymous Verification.”  This patent protects the foundation of our Triple‑Masked Data technology, which enables secure, privacy-first financial data sharing—without compromising identity.

Traditional loan applications are lengthy, require you to reveal personal data upfront, and often serve as lead generation tools—not genuine service. You fill out forms repeatedly—even as repeat customers—with high risk of data misuse.

Your financial and behavioral profiles are compiled—usually without your awareness—and sold by credit bureaus and shared by lenders. As Chamath Palihapitiya puts it: “You are the product…your data is the asset.” This data is traded for profit at your expense. Aster Key flips the script by returning control to you

Lender systems, intermediaries, and credit bureaus are frequently hacked—becoming national security concerns. Aster Key decentralizes data, storing it securely on your mobile device only.

With Aster Key, you never fill out a full credit application more than once. Once your financial profile is set, returning borrowers can apply to lenders—new or existing—with just one click.

Yes. You can log in instantly using fingerprint or face recognition, enhancing both security and convenience

Founded in 2021 by brothers Brad and Eric Blumberg, creators of Smarter Agent—the pioneer of real estate mobile apps—acquired in 2018.

Brad’s frustration with data breaches—credit files being locked and misplaced documents—sparked the idea. Recognizing the outdated, insecure lending processes, they set out to build a more secure, user-first system (asterkey.com).

1. Millennials and younger demographics who prioritize trust.
2. Privacy/security-minded individuals (e.g., crypto users).
3. High-net-worth individuals who dislike redundant processes.
4. Unbanked or immigrant borrowers without credit history—who can build financial profiles through Aster Key.

Lenders can join our beta program by emailing lender@asterkey.com. Or sign up directly via our website. Enterprise setups are available for larger institutions.

Yes. We support encrypted MISMO-formatted data transmissions into lender LOS systems. Contact lender@asterkey.com to integrate.

1. End-to-end encryption on your mobile device, separate from identity data.
2. Fully encrypted data transmissions to your phone and to lenders.
3. Optional blockchain-based verification providing tamper-proof proof—eventually enabling instant approvals.

Aster Key can generate a blockchain hash (proof) of your data, ensuring it hasn’t been altered or tampered with. In the future, these tamper-proof records will help lenders strengthen internal security and accelerate consumer approvals.

We’re also experimenting with bringing AI to the decentralized edge—right within the Aster Key app. This will enable consumers to gain insights and learn from their financial data privately, without sending it to the cloud.