1Live in the MVP
SPID/CIE + income documentsSign-up
Identity verified with SPID or CIE, plus your income documents. In the MVP the digital identity runs in a test environment.
Pre-incorporation MVPStart Cup 2026
Intelligent rental guarantee · Italy
The signature
that unlocks a home.
Garanto replaces personal guarantors and bank sureties with a digital guarantee built on verified data. It is in validation today: you can walk the whole flow and get an assessment.
24hscoring response
6 monthsplanned coverage
Digitalzero paper
Italy · MVP in validation · RUI Section A in progress
THE GARANTO PROTOCOL° NOT LIVE YET · PRODUCT STATUS
Digital guarantee°Electronic signature°Verifiable QRZero paper6 months of coverage°Legal protection°24h responseOpen BankingGDPROnline payment°Digital certificate
HOW IT WORKSFrom application
From application
to guarantee. In 5 steps.
15 minutes online. An answer within 24 hours. Before you sign the lease.
2Demo
Bank flows + fraud checksScoring
Bank flows arrive through Open Banking, read-only, and documents go through fraud checks. In the MVP the connection is simulated: no credentials are ever requested.
3Live in the MVP
Eligibility outcome within 24 hoursApproval
The outcome arrives within 24 hours, with human review where it matters. Every decision is explained openly, including the negative ones.
4Coming
Contract + payment + QRIssuance
Guarantee contract, payment (4.5% of the annual rent plus €49) and a QR certificate the landlord opens from their dashboard. Payment, electronic signature and coverage go live once the agreements with licensed partners are in place.
5Coming
Automatic every yearRenewal
At expiry the certificate renews for another twelve months, recalculated on the updated rent. From sign-up to renewal it is one digital flow.
ONE PLATFORM · TWO ECOSYSTEMSGaranto speaks to the people renting
Garanto speaks to the people renting
and to the people letting.
FOR TENANTS
Rent without a guarantor.
Build a reliability profile with verified identity and documents that get properly checked. Garanto is in validation: below you can see what is already on and what is not.
- Identity with SPID or CIE, in the AgID test environmentLive in the MVP
- Documents genuinely checked: fraud controls and human readingLive in the MVP
- Your account read-only through Open Banking, no credentialsDemo
- An assessment that explains every point, including a noDemo
- Optional damage policy: liability, damage to the property and fireComing
FOR LANDLORDS
Know who moves in.
You get a profile with verified identity, documents put through fraud controls, and an assessment you can read line by line. The cover is not active yet: it arrives with the insurer.
- Documents put through fraud controls and human reviewLive in the MVP
- A profile card with a QR you can verifyDemo
- Cover for up to 6 months of rent, with legal protectionComing
- Claims and reimbursementComing
FOR AGENCIES AND PROPERTY MANAGERSBring Garanto
Bring Garanto
to your clients.
Every approved agency gets a referral code, a dedicated dashboard and tracked commissions. Activation is guided by the Garanto team.
Request activationDedicated dashboard
Track every client: demo application, review and a preview of the result. All in one place.
Tracked commissions
A commission on every guarantee sold through your agency code, calculated and visible in your dashboard. The percentage is set in the partner agreement. Automatic payout arrives with the agreements.
Invite your clients
A unique link for each client. Garanto guides the MVP flow: documents, demo assessment and preview.
API for integrations
Bring Garanto into your management software or website with our REST API.
THE PRODUCT IN NUMBERS* Source: Italian Ministry of the Interior 2024 · ISTAT 2024
“We are building a clearer alternative: verifiable data, human review and a digital path.”
Ayoub OubadFounder · CEO · Udine, Italyayoub@garanto.it
READY?Rent a home
Rent a home
without a bank surety.
In the MVP you upload your documents, try the assessment and see a preview of the result. Payment, signature and coverage will arrive with licensed partners.
Calculate your guarantee Certificate with verifiable QRCONTACTTalk to us
Talk to us
directly.
No chatbots, no endless forms. Write to the right person: an answer within 48 working hours.