CARFLYS · financing without the desk

Buying a financed car normally means a dealership desk, a stack of paper, and days of back-and-forth between buyer, dealer, and bank. Carvana proved the whole loop can happen online. The brief was to build that loop for a US operator: apply, verify, sign, fund, drive, with no human required on the happy path.

• Plaid for bank-direct identity and income verification, replacing document uploads with a live bank connection.
• Electronic contract generation: financing terms compile into a signable contract the moment a credit decision lands.
• Stripe handling payment flows, from deposits to scheduled lease payments.
• Flexible leasing structures so the same pipeline serves purchase, lease, and lease-to-own without separate flows.

Bank-direct verification over document upload. Every removed upload step is a removed drop-off point. Plaid made verification something the buyer completes in a minute instead of a day.

Contracts as compiled artifacts. Terms live as structured data and the contract is generated from them, never hand-edited. That is what makes the no-human happy path safe: the document always matches the decision.

One pipeline, many products. Purchase and leasing share the same state machine with different parameters. One set of edge cases to harden instead of three.

A working end-to-end financing platform for the US market. It was also my education in building systems where a mistake costs real money, the same discipline I now apply to AI agents acting on live accounts: the safe path has to be the default path, enforced by the system rather than by care.