Arrived

Arrived is the universal financial passport for the 45 million people currently ignored by the American credit system.

It solves the "Institutional Amnesia" of the US economy—the fact that a decade of perfect financial stability effectively vanishes the moment a person crosses a border. Because the legacy FICO system was designed in 1989 for middle-class Americans with decades of domestic bank history, it treats high-earning, high-integrity immigrants like they don't exist.

The Problem: The "Credit-Invisible" Wall

The Data Gap: FICO requires US history. If your financial discipline happened in Kyiv, Mexico City, or Manila, the US system sees a "Zero."

The Inheritance Tax: Wealthy US families pass down credit scores like heirlooms (co-signed cards, family trusts). Everyone else spends five years locked out of apartments, cars, and fair interest rates just trying to "prove" they are reliable.

The Economic Friction: Landlords and lenders lose out on billions in business because they have no way to verify the "Economic Character" of someone with a thin US file.

The Solution: A Universal Bridge

Arrived turns a person’s past life into a portable asset. It liberates global data—foreign rent history, bank statements, and domestic cashflow—and translates it into a single, verified Trust Profile.

It’s the difference between being a "high-risk stranger" and a "Verified Global Citizen." Arrived doesn't just calculate a score; it gives the "Credit Invisible" the financial inheritance they’ve already earned, allowing them to participate in the economy on Day One instead of Day 1,825.

Layer	Stack
Frontend	Next.js 15 (App Router), Tailwind v4, Framer Motion (particles)
Graph	React Flow (@xyflow/react) — the "Trust Web" visualization
Backend	Node.js + Hono on @hono/node-server
Intelligence	OpenAI GPT Vision + LangGraph (@langchain/langgraph)
Wallet	Apple .pkpass via passkit-generator
DB / Auth	Supabase (Postgres + Auth) with Prisma as the ORM

Layout

nori/
├── web/                 Next.js app (port 3000)
├── api/                 Hono server (port 4000)
│   ├── prisma/          schema.prisma
│   └── src/
│       ├── agent/       LangGraph trust-web agent
│       ├── routes/      vision, agent, passkit
│       └── lib/         prisma, supabase, openai clients
└── certs/               Apple PassKit certificates (gitignored)

Setup

pnpm install
cp .env.example .env       # fill in keys
pnpm db:generate           # generate Prisma client
pnpm db:migrate            # run initial migration (needs DATABASE_URL)
pnpm dev                   # runs web + api in parallel

Web → http://localhost:3000 • API → http://localhost:4000

Apple Wallet certificates

Place these in certs/ (gitignored):

• wwdr.pem — Apple WWDR intermediate
• signerCert.pem — your Pass Type ID certificate
• signerKey.pem — its private key

Then POST /passkit/generate returns a signed .pkpass.

Scripts

Command	Effect
pnpm dev	run web + api
pnpm dev:web / pnpm dev:api	run just one
pnpm build	build both
pnpm db:migrate	prisma migrate dev
pnpm db:studio	open Prisma Studio