Instnt, the pioneer in AI-led Identity Fraud Insurance, and MarkIII, Inc. (MKIII), a leading embedded lending enablement platform, announced a strategic partnership that introduces a "Double-Indemnity" model to the $18 trillion US consumer lending industry. By integrating Instnt's fraud loss insurance into MKIII's credit model warranty, the companies have created the fintech industry's first fully-indemnified lending solution, allowing lenders to eliminate the trade-off between growth and safety.

This collaboration creates a "Zero Liability" growth engine that allows Credit Unions and Lenders to shift their two most critical lending risks – credit default and identity fraud – entirely off their balance sheets and their bottom line.

Under this new "Double-Indemnity" framework:

• MKIII insures the loan against Credit Risk (the borrower's ability to pay).
• Instnt insures the loan against Identity Fraud Loss Risk (the borrower's intent to deceive the lender).

By protecting every loan against both economic defaults and identity fraud losses (including synthetic, third-party and first-party fraud) with these embedded insurance programs, lenders can significantly improve their Net Interest Margin (NIM) and their Return on Equity (ROE). This innovation enables financial institutions to turn their traditional bad debt reserves into active working capital for further lending and fee generating activities.