K Compare The PropTech
Canopy logo 55 STARS ON KERFUFFLE
Propertymark Industry Supplier
Kerfuffle & Compare The PropTech Partner

Slow referencing is losing you tenants before they even sign. Canopy delivers AI-powered tenant referencing in 48 hours - with no platform fees, no subscriptions, and fraud detection built in.

Every day a good tenant waits for a reference, they are also talking to two other agents. Canopy's AI-powered platform detects fraud in seconds and completes full references within 48 hours - so your team moves faster, your landlords get better tenants, and you save 15 to 40 percent on referencing costs without changing how you work.

48h
48-hour references
Full comprehensive references in 2 days
41%
Up to 41% faster
With a dedicated case handler
40%
Save 15-40%
On referencing costs per application
AI
AI fraud detection
Screens 100% of documents instantly
Get the member offer → Book a Canopy demo See how it works
The referencing problem

Slow, expensive, fraud-prone referencing is costing you good tenants and exposing your landlords.

Traditional tenant referencing takes days. Fraud is rising. Platform fees and monthly subscriptions eat into margins before a single reference is completed. Letting agents who move slowly lose tenants to competitors who move quickly - and landlords who get bad tenants because a fraud slipped through the checks lose their trust in your agency.

Slow referencing hands your best tenants to competitors

A tenant who wants to move in a week will commit to whoever gets the reference back first. If your referencing process takes four to five days while Canopy-powered agents deliver in 48 hours, your pipeline is leaking good applicants daily - and you may not even know it.

Rental fraud is accelerating and manual checks miss it

Sophisticated document fraud - fabricated payslips, altered bank statements, fake employment letters - is invisible to the human eye. Manual document checking is not enough. Canopy's AI screens every document automatically, catching fraud that would get through a traditional check every time.

Platform fees drain revenue before you start

Monthly subscriptions and platform fees for referencing software compound regardless of how many references you actually process. In quiet months, you are paying for capacity you are not using. Canopy charges per reference only - no setup fees, no monthly minimums, no mandatory contracts. You pay for what you use.

Your team chases applicants for documents they should submit themselves

Every email chasing an outstanding document is time your team is not spending on new instructions. Canopy's RentPassport shifts that burden to the tenant. Applicants complete their own profile - income, identity, credit history, rental payment record - and share it with your agency. Your team sees everything they need, without chasing anyone.

How Canopy works for your office

AI screening. RentPassport. Dedicated case handlers. Three things that make referencing fast, accurate and fraud-resistant.

Canopy is a software platform and mobile app that handles the entire tenant referencing process for letting agents. Tenants self-complete a RentPassport which your team receives and reviews. AI runs fraud detection across every document in the background. A dedicated case handler manages the reference from start to finish.

1

The RentPassport - instant pre-screening

Tenants create a RentPassport in minutes using the Canopy app. It includes Experian credit check, address history, income verification via Open Banking, rent payment history, and identity documents. Your team receives a complete pre-screened profile before a single conversation about moving-in date.

2

AI fraud detection across every document

Canopy's AI screens 100 percent of submitted documents instantly, identifying fraud that is not visible to the naked eye - altered payslips, fabricated bank statements, manipulated identity documents. If fraud is present, your team sees a flag before any tenancy proceeds. No human checker would catch it as fast or as consistently.

3

Full comprehensive reference within 48 hours

The full reference includes identity verification, address history, credit check, employment verification, landlord reference, income affordability assessment, and Know Your Customer checks. Standard references complete within two days. Upgrade to a dedicated case handler and references complete up to 41 percent faster.

4

No platform fees - pay per reference only

There are no setup fees, no monthly minimums, and no mandatory minimum contracts. You pay only for references you order. In high-volume months, Canopy scales with you. In quieter periods, you are not paying for unused capacity. The cost saving versus subscription-based referencing platforms is 15 to 40 percent in practice.

5

AML and KYC checks built in

Anti-money laundering and Know Your Customer checks are included as standard at the appropriate reference tier. Credit Bureau identity authentication, liveness and biometric identity document verification, and adverse credit history checks all come as part of the Canopy reference - not as add-ons you pay extra for.

6

Tenant self-service reduces your admin load

Canopy chases applicants on your behalf for outstanding documents. Your team is notified when the reference is complete, not before. The applicant-facing process is handled by Canopy - your property managers spend their time managing properties, not chasing missing payslips.

The agent journey

From applicant offer to completed reference - in four steps and under 48 hours.

Canopy integrates into your existing referencing workflow without replacing anything else you do. Your team orders the reference, Canopy does the work, you receive the report.

1

Tenant creates a RentPassport

You invite the applicant to create a Canopy RentPassport. They complete it themselves using the app - credit check, income, identity, rental history. Your team sees everything the moment it is submitted. No forms for your team to process at this stage.

2

You order the reference

Once satisfied with the initial pre-screen, your team upgrades the application to a full reference through the Canopy platform. You choose the reference tier based on what the tenancy requires. Canopy begins immediately.

3

AI and case handlers run the full check

AI fraud detection runs across every submitted document. Employment and landlord references are verified. Canopy chases any outstanding items from the applicant directly. Your team does not need to follow up - Canopy handles the chase.

4

You receive the completed reference

Within 48 hours your team has a complete, comprehensive reference report. The tenant is qualified, the fraud risk is assessed, the affordability is confirmed. You proceed to tenancy documentation with confidence - and your landlord gets the right tenant.

The Kerfuffle & CTP member offer

Kerfuffle members access Canopy with dedicated support and commercial terms reviewed before committing.

Canopy is a Propertymark Industry Supplier and an official partner of the Propertymark conference network. Kerfuffle and Compare The PropTech members access Canopy's agent programme through a dedicated route - with your Kerfuffle account manager reviewing the commercial terms with you before you proceed.

What Kerfuffle members get

  • Dedicated Kerfuffle account management
  • Member-only commercial terms reviewed before you commit
  • No platform fees, no monthly minimums - pay per reference
  • AI-powered fraud detection on every application
  • Full comprehensive reference within 48 hours
  • Propertymark Industry Supplier - verified partner
Member route

Standard referencing cost

Platform fees + subscriptions

Canopy via Kerfuffle member route

Pay per reference
No setup fees. No monthly minimums. No mandatory contract.

Save 15 to 40 percent on referencing costs compared to subscription-based platforms. Your Kerfuffle account manager reviews every commercial term with you before you are asked to commit - so you know exactly what each reference costs and what the service covers.

Live demo - open to Kerfuffle & CTP members

See Canopy in action - RentPassport, AI fraud detection, and full reference walkthrough in thirty minutes.

A walkthrough of the Canopy platform from the tenant's RentPassport through AI fraud detection, full reference processing, and the completed report your team receives - followed by live Q&A on your referencing volume and workflow.

Book direct
30 min
1-to-1 with the Canopy team
Via Kerfuffle member route

From slow referencing to AI-powered decisions in 48 hours - Canopy for letting agents

See how the RentPassport works for your tenants, how AI fraud detection catches what manual checks miss, and how your team manages the full reference workflow through Canopy. Bring your current referencing volume and the team will walk through what the saving looks like for your branch.

CA
Canopy Agent Partnerships team
Canopy - AI-powered tenant referencing platform for UK letting agents
Book the demo →
Frequently asked questions

Questions letting agents ask before they switch to Canopy.

How does Canopy's AI fraud detection actually work?
Canopy's AI screens every document submitted by the applicant - payslips, bank statements, identity documents - at the point of submission. The AI identifies alterations, inconsistencies, and fabricated documents that are not visible to a human reviewer. It flags any document it considers suspect, and the Canopy operations team reviews flagged cases before the reference report is issued. The result is that fraud which would pass a standard manual check is caught before it costs your landlord a bad tenancy.
Is the RentPassport linked to a tenant's actual credit history?
Yes. The RentPassport uses Experian for credit bureau identity authentication and includes the tenant's address history and a soft credit check. Tenants connect their bank account via Open Banking to verify income and rental payment history. The result is a pre-screened profile that reflects real financial data - not self-certified information your team would need to verify separately.
What does the full comprehensive reference include?
The full Canopy reference includes credit bureau identity authentication, three years of address history, soft credit check, adverse credit history check, Open Banking income verification, rental affordability assessment, rent payment history from Open Banking, manual document verification within 48 hours, Know Your Customer checks, Anti-Money Laundering checks, and biometric identity document verification with liveness checks. Employment and landlord references are also chased and verified as part of the comprehensive tier.
What happens if a reference takes longer than 48 hours?
The 48-hour target applies to the Canopy team completing all verification that is within their control. Occasionally an employer or previous landlord does not respond within that window - Canopy chases on your behalf and keeps you informed. If you upgrade to the dedicated case handler option, references complete up to 41 percent faster because a named Canopy team member manages every outstanding item proactively from the start.
How does Canopy's pricing compare to referencing platforms we are currently paying subscriptions for?
Canopy charges per reference with no platform fees, no monthly minimums, and no mandatory contracts. In practice, agents switching from subscription-based referencing platforms save between 15 and 40 percent on referencing costs. The actual saving depends on your current subscription cost and monthly reference volume. Your Kerfuffle account manager will review the commercial terms - including per-reference pricing - before you commit to anything.
Do tenants need to pay to use the RentPassport?
The basic RentPassport is free for tenants. Canopy charges letting agents for the full reference - the cost does not sit with the tenant. Tenants benefit from a RentPassport that belongs to them and can be shared with future agents and landlords every time they move, so the profile they build follows them across their rental history without starting from scratch each time.
How do we get started as Kerfuffle members?
Use the member offer button on this page. You will be introduced to the Canopy agent partnerships team via Kerfuffle, with your account manager reviewing the commercial terms - including per-reference pricing for your volume - before you commit. The platform demonstration is covered on the call so your team understands the full workflow before you process your first reference.
Why the market is switching to AI referencing

Faster, cheaper, and more fraud-resistant than the traditional referencing process. The numbers make the case.

Canopy processes every reference with AI fraud detection that has no human equivalent for speed or consistency. The agents who move first get better tenants faster and spend less doing it. The agents who stay with slow, expensive referencing are losing applicants they never knew were gone.

48 hrs
Full comprehensive reference delivered within 2 days
41%
Faster with a dedicated Canopy case handler
40%
Maximum cost saving vs subscription referencing platforms
100%
Of submitted documents screened by AI fraud detection
Pays You Back - Not Yet On Platform

Canopy is not on PropTech That Pays Back yet.

PropTech That Pays Back is the Kerfuffle initiative that rewards estate agents with kredits when they actually use what they have bought - not just when they sign the contract. Canopy is not on the platform presently. If you would like to see Canopy added and arrange a demo as part of the rollout, register your interest below.

Register your interest in a demo → Browse suppliers that pay back →

Stop losing good tenants to agents who reference faster. Switch to 48-hour AI-powered referencing.

Kerfuffle members get dedicated account management, pay-per-reference pricing and commercial terms reviewed before they commit. This is the shortest path to having Canopy live in your agency.

Claim the member offer → Book a demo

Want to talk through how Canopy would work for your referencing volume?

Grab fifteen minutes with the Kerfuffle team. We will walk you through the member offer, answer your questions, and work out what the saving looks like for your agency.

Book a quick Zoom to discuss options →