Identity with SPID or CIE, in the AgID test environment
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.
Start as a tenantWHAT IT INCLUDESWhat is inside,
What is inside,
and how far along it is.
Documents genuinely checked: fraud controls and human reading
Your account read-only through Open Banking, no credentials
An assessment that explains every point, including a no
Optional damage policy: liability, damage to the property and fire
THE FLOWFrom application
From application
to guarantee. In 5 steps.
Sign-up
Identity verified with SPID or CIE, plus your income documents. In the MVP the digital identity runs in a test environment.
Scoring
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.
Approval
The outcome arrives within 24 hours, with human review where it matters. Every decision is explained openly, including the negative ones.
Issuance
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.
Renewal
At expiry the certificate renews for another twelve months, recalculated on the updated rent. From sign-up to renewal it is one digital flow.
READY TO TRY IT?The flow is open,
The flow is open,
the answer comes within 24 hours.
Garanto is in validation: you can walk the whole flow and get an assessment.
Create your account Are you an agency? Request activation