About Apex Home Lending
Apex is the private-credit marketplace. We recruit savers, match them to borrowers, and service existing-Vibe notes. We do not mint. Starter loans live at the Bank.
Bobby's Story
The Bank is the sole public lender and the sole mint for credit. First roof, startup, and education are civic defaults — same menu for every new adult, applied for on newvibecitybank.com. What the Bank is not is a yield product for people with savings. That is Bobby's job.
Apex books private notes. A saver's wallet pays a borrower's wallet on Bank rails. Interest circulates to the saver. Apex takes a fee in Vibes. The 2% levy still fires. We never mint. A Tanya listing can still close on a Bank starter letter. An Apex letter says private credit at X%, subject to NVC Credit.
There is no FHA, VA, USDA, or NMLS here. Bank prints sit around 3.25–4.25%. The private book targets 9–14% because this is private money. UBI cannot be collateral. Same-day §9.11 equity is still a Bank right, not an Apex product.