What DustVault Does
Three integrated capabilities that handle everything from detection to re-engagement to compliance documentation — without touching your operations team.
Automated Dormancy Detection
We ingest your account ledger — no PII required — and cross-reference every account against all 50 state dormancy windows. At-risk accounts surface in 48 hours. No manual review. No spreadsheets.
Automated Member Re-Engagement
Before forfeiture triggers, we deploy personalized outreach — exact balance, eligible spend categories, specific deadline. Email first, SMS follow-up. Zero human involvement required on your end.
State Escheatment Filing Package
For accounts crossing the threshold, we prepare complete state filing documentation — exemptions, partial remittance calculations, due diligence notices — across all 50 states. Your team reviews and submits.
Four-Stage Recovery Pipeline
From ledger ingestion to compliance documentation — entirely automated, entirely auditable.
Ledger Ingestion
Historical account data cross-referenced without passing individual client PII. Anonymized account IDs only.
AI Dormancy Audit
Every account scored against all 50 state windows by balance size, account type, and days to escheatment deadline.
Member Re-Engagement
Personalized automated outreach sequences triggered for every at-risk account. Specific, urgent, no human sender required.
Compliance & Filing
State-specific escheatment documentation prepared automatically. Clean, auditable, defensible to your legal team.
Zero Risk.
12% on Recovery.
We don't charge a setup fee. We don't charge a monthly retainer. We charge 12% of the dormant balances we successfully recover for your members. If we find nothing, you owe nothing.
- No upfront cost to the issuer
- Fee applies only on confirmed recovered balances
- Control group methodology — recovery attributable only to DustVault
- 10% of DustVault revenue locked to Veteran housing support
Built for Enterprise Compliance Review
Every layer of DustVault is engineered to clear rigorous enterprise security and regulatory review from day one.
Zero PII Retention Policy
We never capture, store, or handle SSNs or identity documents. Account-level anonymized ledger data only.
Escheatment Defense Layer
Accounts flagged ahead of all statutory deadlines. Maximum internal asset preservation rate for the issuer.
SOC 2 Security Alignment
All parsing and processing networks align with cloud framework data isolation policies and audit standards.
Auditable Recovery Attribution
Control group methodology ensures every recovered dollar attributable to DustVault is clean and defensible to your legal team.
See the Platform in Action
The DustVault live demo shows a real issuer portfolio view — accounts scanned, risk scored, outreach triggered, recovery calculated in real time.
FSA · HRA · HSA · Prepaid Card Issuers
DustVault is purpose-built for the benefit administrator and prepaid card issuer space — the programs most exposed to escheatment liability at scale.
- Comprehensive coverage: HSA, FSA, HRA, and prepaid card programs
- Secure ledger ingestion — no PII required from your team
- Automated pipelines that reduce manual compliance workload to near zero
- Built for enterprise integration — not a point tool
Platform Architecture
Zero-overhead infrastructure. Enterprise-grade security. Built for scale.
> Dormancy engine loaded... OK
> All-50-state rules compiled... OK
> PII isolation layer... ACTIVE
> Veteran allocation pool... REGISTERED (10%)
Keval Bhatt
"After my service as a Navy FMF Corpsman, I built DustVault to apply the same systematic discipline I learned in the field to financial asset recovery. Our mission is direct: recover dormant value for institutional partners, eliminate escheatment liability, and lock a permanent 10% of every dollar we earn to housing and supporting the veterans who served this country — including those facing homelessness today. This isn't a marketing line. It's written into our operating agreement."
Ready to Run a Pilot?
No upfront cost. No risk. Access our complete resource hub below — including our pitch deck, pilot booking calendar, and contact forms.
Enter the DustVault Hub