# EDGAR Filing Document

**Accession Number:** 0001594968
**File Stem:** 0001683168-25-008444
**Filing Date:** 2025-11
**Character Count:** 70912
**Document Hash:** 7559b97633b219b23c177628ebc4c8ce
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001683168-25-008444.hdr.sgml**: 20251114

**ACCESSION NUMBER**: 0001683168-25-008444

**CONFORMED SUBMISSION TYPE**: 10-Q

**PUBLIC DOCUMENT COUNT**: 37

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251114

**DATE AS OF CHANGE**: 20251114

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Loan Artificial Intelligence Corp.
- **CENTRAL INDEX KEY:** 0001594968
- **STANDARD INDUSTRIAL CLASSIFICATION:** SERVICES-AMUSEMENT & RECREATION SERVICES [7900]
- **ORGANIZATION NAME:** 07 Trade & Services
- **EIN:** 454895104
- **STATE OF INCORPORATION:** FL
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 10-Q
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-56529
- **FILM NUMBER:** 251485636

**BUSINESS ADDRESS:**
- **ADDRESS IS A NON US LOCATION:** YES
- **STREET 1:** 1113 TOWER 2, LIPPO CENTRE,
- **STREET 2:** 89 QUEENSWAY
- **CITY:** ADMIRALTY
- **PROVINCE COUNTRY:** K3
- **ZIP:** 0000
- **BUSINESS PHONE:** 949-258-4404

**MAIL ADDRESS:**
- **ADDRESS IS A NON US LOCATION:** YES
- **STREET 1:** 1113 TOWER 2, LIPPO CENTRE,
- **STREET 2:** 89 QUEENSWAY
- **CITY:** ADMIRALTY
- **PROVINCE COUNTRY:** K3
- **ZIP:** 0000

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Vestiage, Inc.
- **DATE OF NAME CHANGE:** 20131219

?xml version='1.0' encoding='ASCII'? Loan Artificial Intelligence Corp. 10-Q

[**Table of Contents**](#q3_001)

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM 10-Q**

☒&nbsp;&nbsp;&nbsp;&nbsp; QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended September 30, 2025

or

☐&nbsp;&nbsp;&nbsp;&nbsp; TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from _____ to _____

Commission File Number: 000-56529

**Loan Artificial Intelligence Corp.**

(*Exact name of registrant as specified in its charter*)

---

| | |
|:---|:---|
| **Florida** | **45-4895104** |
| (*State of other jurisdiction of <br> incorporation or organization*) | (*IRS Employer <br> Identification No.)* |

---

**1113, Lippo Centre Tower 2, 89 Queensway** **, Admiralty, Hong Kong 999077**

(*Address of Principal Executive Offices*) (*Zip Code*)

**+852 3703 6155**

*(Registrant's telephone number, including area code)*

 **Vestiage, Inc.**

*(Former name, former address and former fiscal year, if changed since last report)*

Securities registered pursuant to Section 12(b) of the Act: None.

---

| | | |
|:---|:---|:---|
| Title of each class | Trading Symbol(s) | Name of each exchange on which registered |
| N/A | **LAAI** | N/A |

---

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☒ No ☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☒ No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company," and "emerging growth company" in Rule 12b-2 of the Exchange Act.

Large accelerated filer ☐ Accelerated filer ☐ <br> Non-accelerated filer ☒ Smaller reporting company ☒ <br> Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☒

As of November 14, 2025, there were 454,365 shares outstanding of the registrant's Common Stock.

As of November 14, 2025, there were 300,000 shares outstanding of the registrant's Convertible Series D Preferred Stock.

**LOAN ARTIFICIAL INTELLIGENCE CORP.**

**FORMERLY VESTIAGE, INC.**

**FORM 10-Q**

**September 30, 2025**

**TABLE OF CONTENTS**

---

| | | |
|:---|:---|:---|
|  |  | **Page No.** |
|  | **[PART I. FINANCIAL INFORMATION](#q3_002)** |  |
| ITEM 1. | [FINANCIAL STATEMENTS.](#q3_003) | 3 |
|  | [Condensed Balance Sheets as of September 30, 2025 (unaudited) and December 31, 2024](#q3_004) | 3 |
|  | [Condensed Statements of Income and Comprehensive Income for the three and nine months ended September 30, 2025 and 2024 (unaudited)](#q3_005) | 4 |
|  | [Condensed Statements of Stockholders' Equity nine months ended September 30, 2025 and 2024 (unaudited)](#q3_006) | 5 |
|  | [Condensed Statements of Cash Flows for the nine months ended September 30, 2025 and 2024 (unaudited](#q3_007)) | 6 |
|  | [Notes to Condensed Financial Statements (unaudited)](#q3_008) | 7 |
| ITEM 2. | [MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS.](#q3_009) | 13 |
| ITEM 3. | [Quantitative and Qualitative Disclosures about Market Risk.](#q3_010) | 18 |
| ITEM 4. | [CONTROLS AND PROCEDURES.](#q3_011) | 18 |
|  | **[PART II. OTHER INFORMATION](#q3_012)** |  |
| ITEM 1. | [Legal Proceedings.](#q3_013) | 19 |
| ITEM 1A. | [RISK FACTORS](#q3_014). | 19 |
| ITEM 2. | [Unregistered Sales of Equity Securities and Use of Proceeds.](#q3_015) | 19 |
| ITEM 3. | [Defaults Upon Senior Securities.](#q3_016) | 19 |
| ITEM 4. | [Mine Safety Disclosures.](#q3_017) | 19 |
| ITEM 5. | [OTHER INFORMATION.](#q3_018) | 19 |
| ITEM 6. | [EXHIBITS.](#q3_020) | 19 |
| [SIGNATURES](#q3_019) | [SIGNATURES](#q3_019) | 20 |

---

**PART I. FINANCIAL INFORMATION**

**Item** **1. Condensed Financial Statements**

**LOAN ARTIFICIAL INTELLIGENCE CORP.**

**FORMERLY VESTIAGE, INC.**

**CONDENSED BALANCE SHEETS**

---

| | | |
|:---|:---|:---|
|  | **September 30,**<br>**2025** | **December 31,**<br>**2024** |
|  | *(Unaudited)* | *(Audited)* |
| **Assets** |  |  |
| **Current Assets** |  |  |
| &nbsp;&nbsp;&nbsp;Cash | $– | $– |
| **Total Current Assets** | – | – |
| **Total Assets** | $– | $– |
| **Liabilities and Stockholders' Deficit** |  |  |
| **Current Liabilities** |  |  |
| &nbsp;&nbsp;&nbsp;Accounts payable and accrued expenses | $46631 | $22845 |
| &nbsp;&nbsp;&nbsp;Due to related party | 110636 | 87525 |
| **Total Current Liabilities** | 157267 | 110370 |
| **Total Liabilities** | 157267 | 110370 |
| **Commitment & contingencies** |  |  |
| **Stockholders' Deficit** |  |  |
| &nbsp;&nbsp;&nbsp;Preferred Stock Series D, $0.001 par value; 10,000,000 shares authorized, 300,000 and 300,000 shares issued and outstanding, respectively | 30 | 30 |
| &nbsp;&nbsp;&nbsp;Common Stock, $0.001 par value; 500,000,000 shares authorized, 454,365 and 454,365 shares issued and outstanding, respectively | 454 | 454 |
| &nbsp;&nbsp;&nbsp;Additional paid-in capital | 10391606 | 10391606 |
| &nbsp;&nbsp;&nbsp;Accumulated loss | (10549357) | (10502460) |
| &nbsp;&nbsp;&nbsp;**Total Stockholders' Deficit** | (157267) | (110370) |
| &nbsp;&nbsp;&nbsp;**Total Liabilities and Stockholders' Deficit** | $– | $– |

---

*See accompanying notes to condensed unaudited financial statements*

**LOAN ARTIFICIAL INTELLIGENCE CORP.**

**FORMERLY VESTIAGE, INC** 

**CONDENSED STATEMENTS OF OPERATIONS**

*Unaudited*

 

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **Three Months Ended** | **Three Months Ended** | **Nine Months Ended** | **Nine Months Ended** |
|  | **September 30,**<br>**2025** | **September 30,**<br>**2024** | **September 30,**<br>**2025** | **September 30,**<br>**2024** |
| **Revenues** | $– | $– | $– | $– |
| **Operating expenses** |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Professional fees | 8163 | 9061 | 20683 | 34155 |
| &nbsp;&nbsp;&nbsp;Other general & administrative expense | 24478 | 906 | 26214 | 2696 |
| **Total operating expenses** | 32641 | 9967 | 46897 | 36851 |
| **Loss from operations** | (32641) | (9967) | (46897) | (36851) |
| **Other Income (Expenses)** |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Interest income (expense) | – | – | – | – |
| **Total other income (expenses)** | – | – | – | – |
| **Net loss before income tax** | (32641) | (9967) | (46897) | (36851) |
| &nbsp;&nbsp;&nbsp;Income tax expense | – | – | – | – |
| **Net loss** | $(32641) | $(9967) | $(46897) | $(36851) |
| **Earnings (Loss) per Share - Basic and Diluted** | $(0.000) | $(0.000) | $(0.000) | $(0.000) |
| **Weighted Average Shares Outstanding - Basic and Diluted** | 454365 | 454365 | 454365 | 454365 |

---

*See accompanying notes to condensed unaudited financial statements*

**LOAN ARTIFICIAL INTELLIGENCE CORP.**

**FORMERLY VESTIAGE, INC.** 

**CONDENSED STATEMENTS OF STOCKHOLDERS' DEFICIT**

***For the Nine Months Ended September 30, 2025 and 2024***

*Unaudited*

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Preferred Stock** <br> **Series D** | **Preferred Stock** <br> **Series D** | **Common Stock** | **Common Stock** | | | |
|  | **Shares** | **Par Value, $0.001** | **Shares** | **Par Value, $0.001** |<br>**Additional paid-in capital** |<br>**Accumulated loss** |<br>**Total <br> Stockholders' <br> Deficit** |
| **Balance, December 31, 2023** | **300000** | $**30** | **454365** | $**454** | $**10391606** | $**(10449785)** | $**(57695)** |
| &nbsp;&nbsp;&nbsp;Net loss | – | – | – | – | – | (6546) | **(6546)** |
| **Balance, March 31, 2024** | **300000** | $**30** | **454365** | $**454** | $**10391606** | $**(10456331)** | $**(64241)** |
| &nbsp;&nbsp;&nbsp;Net loss | – | – | – | – | – | (20338) | **(20338)** |
| **Balance, June 30, 2024** | **300000** | $**30** | **454365** | $**454** | $**10391606** | $**(10476669)** | $**(84579)** |
| &nbsp;&nbsp;&nbsp;Net loss | – | – | – | – | – | (9967) | **(9967)** |
| **Balance, September 30, 2024** | **300000** | $**30** | **454365** | $**454** | $**10391606** | $**(10486636)** | $**(94546)** |
| **Balance, December 31, 2024** | **300000** | $**30** | **454365** | $**454** | $**10391606** | $**(10502460)** | $**(110370)** |
| &nbsp;&nbsp;&nbsp;Net loss | – | – | – | – | – | (6381) | **(6381)** |
| **Balance, March 31, 2025** | **300000** | $**30** | **454365** | $**454** | $**10391606** | $**(10508841)** | $**(116751)** |
| &nbsp;&nbsp;&nbsp;Net loss | – | – | – | – | – | (7875) | **(7875)** |
| **Balance, June 30, 2025** | **300000** | $**30** | **454365** | $**454** | $**10391606** | $**(10516716)** | $**(124626)** |
| &nbsp;&nbsp;&nbsp;Net loss | – | – | – | – | – | (32641) | **(32641)** |
| **Balance, September 30, 2025** | **300000** | $**30** | **454365** | $**454** | $**10391606** | $**(10549357)** | $**(157267)** |

---

**LOAN ARTIFICIAL INTELLIGENCE CORP.**

**FORMERLY VESTIAGE, INC** 

**CONDENSED STATEMENTS OF CASH FLOWS**

*Unaudited*

---

| | | |
|:---|:---|:---|
|  | **Nine Months Ended** | **Nine Months Ended** |
|  | **September 30,**<br>**2025** | **September 30,**<br>**2024** |
| **Cash Flows from Operating Activities** |  |  |
| **Net loss** | $(46897) | $(36851) |
| **Adjustment to reconcile Net loss from operations:** |  |  |
| &nbsp;&nbsp;&nbsp;Depreciation & Amortization expense |  |  |
| &nbsp;&nbsp;&nbsp;***Changes in operating assets and liabilities*** |  |  |
| &nbsp;&nbsp;&nbsp;Accounts payable and accrued expenses | 23786 | 13452 |
| **Net Cash Used in Operating Activities** | **(23111)** | **(23399)** |
| **Cash Flows from Financing Activities** |  |  |
| &nbsp;&nbsp;&nbsp;Proceeds from related party payables | 23111 | 23399 |
| **Net Cash Provided by Financing Activities** | **23111** | **23399** |
| **Net Increase (Decrease) in Cash** | **–** | **–** |
| **Cash at Beginning of Period** | **–** | **–** |
| **Cash at End of Period** | $– | $**–** |
| **Supplemental Cash Flow Information:** |  |  |
| &nbsp;&nbsp;&nbsp;Income Taxes Paid | $**–** | $– |
| &nbsp;&nbsp;&nbsp;Interest Paid | $– | $– |

---

*See accompanying notes to condensed unaudited financial statements*

**Loan Artificial Intelligence Corp.** 

**formerly Vestiage, Inc.**

**Notes to the Condensed Financial Statements**

**As of and for the nine months ended September 30, 2025 and December 31, 2024**

*(Unaudited)*

**NOTE 1 – ORGANIZATION AND DESCRIPTION OF BUSINESS**

Loan Artificial Intelligence Corp. formerly Vestiage, Inc. (OTC "LAAI") was incorporated under the laws of the State of Florida on October 31, 2006, as The Harvard Learning Centers, Inc. On February 18, 2013, the name of the Company was changed to Vestiage, Inc.

Business operations for Loan Artificial Intelligence Corp. formerly Vestiage, Inc. were abandoned by former management when they resigned on September 9, 2015, and a custodianship action, as described in the subsequent paragraph, was commenced in 2021.

On May 26, 2022, the Circuit Court of the Nineth Judicial Circuit in and for Orange County, Florida granted the Application for Appointment of Custodian as a result of the absence of a functioning board of directors and the revocation of the Company's charter. The order appointed Small Cap Compliance, LLC (the "Custodian") custodian with the right to appoint officers and directors, negotiate and compromise debt, execute contracts, issue stock, and authorize new classes of stock.

Small Cap Compliance, LLC ("SCC") is a shareholder in the Company and applied to the Court for an Order appointing SCC as the Custodian. This application was for the purpose of reinstating LAAI's corporate charter to do business and restoring value to the Company for the benefit of the stockholders.

The court awarded custodianship to the Custodian based on the absence of a functioning board of directors, revocation of the company's charter, and abandonment of the business. At this time, the Custodian appointed Rhonda Keaveney as sole officer and director.

The Custodian attempted to contact the Company's officers and directors through letters, emails, and phone calls, with no success.

On December 31, 2022, the company executed a Share Exchange Agreement with Fun Fitness Corporation ("FFC"), of which Rhonda Keaveney is the sole officer and director. The Company acquired 1,000,000 shares of Series A Preferred Stock of FFC in exchange for 1 share of common stock of LAAI, making Fun Fitness Corporation a wholly owned subsidiary of the Company. The acquisition is a combination of entities under common control; however, FFC was incorporated in the State of Wyoming on October 1, 2022, so there is no impact to the historical financial information. The 1 share of common stock was issued by the transfer agent on January 12, 2023.

On August 25, 2023, a change in control of the Company occurred by virtue of the Company's largest shareholder, Small Cap Compliance, LLC, selling 300,000 shares of the Convertible Series D Preferred Stock and the Company issuing 477 shares of Restricted Common Stock to Well Profit Holdings Limited. Such shares represent 100% of the Company's total issued and outstanding shares of Convertible Series D Preferred Stock and 84.5% of the Company's total issued and outstanding shares of Common Stock. As part of the sale of the shares, Ms. Keaveney, owner of Small Cap Compliance, LLC, arranged with Raymond Fu, control person for Well Profit Holdings Limited, prior to resigning as the sole Officer and member of the Company's Board of Directors and to appoint new officers and directors of the Company.

By written consent dated June 2, 2025, stockholders holding approximately 91.17% of the voting equity of the Company approved and ratified the following corporate actions ("Actions"): (i) changing the name of the Company from "Vestiage, Inc." to "Loan Artificial Intelligence Corp." (the "Name Change"); and (i) A reverse stock split of all of the issued and outstanding shares of Common Stock of the Company on a 1-for-800 basis, such that each issued and outstanding 800 shares of Common Stock shall become 1 share of Common Stock. The Actions were approved by the Company's board of directors by unanimous written consent on June 2, 2025. The Company shall pay cash (without interest) for such holder's fractional share equal to the product of the closing sales price of our Common Stock as reported on the OTC Markets on the effective date multiplied by the fractional share that such holder would otherwise be entitled to receive. The Company has filed a Definitive Information Statement with the SEC and a corporate action for approval of the Name Change and Reverse Stock Split by the Financial Industry Regulatory Authority ("FINRA"). The name change, symbol change, and the Reverse Stock Split were effective on October 30, 2025.

**NOTE 2 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES**

*<u>Basis of Presentation</u>*

These audited financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America ("US GAAP").

*<u>Interim Financial Statements</u>*

 

The accompanying unaudited financial statements have been prepared in accordance with generally accepted accounting principles (GAAP) applicable to interim financial information and the requirements of Form 10-Q and Rule 8-03 of Regulation S-X of the Securities and Exchange Commission. Accordingly, they do not include all of the information and disclosure required by accounting principles generally accepted in the United States of America for complete financial statements. Interim results are not necessarily indicative of results for a full year. In the opinion of management, all adjustments considered necessary for a fair presentation of the financial position and the results of operations and cash flows for the interim periods have been included. These interim financial statements should be read in conjunction with the audited financial statements for the year ended December 31, 2024. Not all disclosures required by generally accepted accounting principles for annual financial statements are presented. The interim financial statements follow the same accounting policies and methods of computations as the audited financial statements for the year ended December 31, 2024.

 

*<u>Use of Estimates</u>*

The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.

*<u>Concentration of credit risk</u>*

Financial instruments which potentially subject the Company to concentration of credit risk consist of cash deposits and customer receivables. The Company maintains cash with various major financial institutions. The Company performs periodic evaluations of the relative credit standing of these institutions. To reduce risk, the Company performs credit evaluations of its customers and maintains reserves when necessary for potential credit losses.

*<u>Cash and cash equivalents</u>*

The Company considers all highly liquid investments with a maturity of three months or less when purchased to be cash equivalents.

*<u>Related parties</u>*

 

The Company follows subtopic 850-10 of the FASB Accounting Standards Codification for the identification of related parties and disclosure of related party transactions.

Pursuant to Section 850-10-20 the Related parties include a) affiliates of the Company; b) Entities for which investments in their equity securities would be required, absent the election of the fair value option under the Fair Value Option Subsection of Section 825–10–15, to be accounted for by the equity method by the investing entity; c) trusts for the benefit of employees, such as pension and profit-sharing trusts that are managed by or under the trusteeship of management; d) principal owners of the Company; e) management of the Company; f) other parties with which the Company may deal if one party controls or can significantly influence the management or operating policies of the other to an extent that one of the transacting parties might be prevented from fully pursuing its own separate interests; and g) Other parties that can significantly influence the management or operating policies of the transacting parties or that have an ownership interest in one of the transacting parties and can significantly influence the other to an extent that one or more of the transacting parties might be prevented from fully pursuing its own separate interests.

The financial statements shall include disclosures of material related party transactions, other than compensation arrangements, expense allowances, and other similar items in the ordinary course of business. However, disclosure of transactions that are eliminated in the preparation of or combined financial statements is not required in those statements. The disclosures shall include: a. the nature of the relationship(s) involved description of the transactions, including transactions to which no amounts or nominal amounts were ascribed, for each of the periods for which income statements are presented, and such other information deemed necessary to an understanding of the effects of the transactions on the financial statements; c. the dollar amounts of transactions for each of the periods for which income statements are presented and the effects of any change in the method of establishing the terms from that used in the preceding period; amounts due from or to related parties as of the date of each balance sheet presented and, if not otherwise apparent, the terms and manner of settlement.

 

*<u>Commitments and contingencies</u>*

 

The Company follows subtopic 450-20 of the FASB Accounting Standards Codification to report accounting for contingencies. Certain conditions may exist as of the date the financial statements are issued, which may result in a loss to the Company but which will only be resolved when one or more future events occur or fail to occur. The Company assesses such contingent liabilities, and such assessment inherently involves an exercise of judgment. In assessing loss contingencies related to legal proceedings that are pending against the Company or unasserted claims that may result in such proceedings, the Company evaluates the perceived merits of any legal proceedings or unasserted claims as well as the perceived merits of the amount of relief sought or expected to be sought therein.

If the assessment of a contingency indicates that it is probable that a material loss has been incurred and the amount of the liability can be estimated, then the estimated liability would be accrued in the Company's financial statements. If the assessment indicates that a potential material loss contingency is not probable but is reasonably possible, or is probable but cannot be estimated, then the nature of the contingent liability, and an estimate of the range of possible losses, if determinable and material, would be disclosed.

Loss contingencies considered remote are generally not disclosed unless they involve guarantees, in which case the guarantees would be disclosed. Management does not believe, based upon information available at this time, that these matters will have a material adverse effect on the Company's financial position, results of operations or cash flows. However, there is no assurance that such matters will not materially and adversely affect the Company's business, financial position, and results of operations or cash flows.

*<u>Net Loss Per Common Share</u>*

Net loss per common share is computed pursuant to section 260-10-45 of the FASB Accounting Standards Codification. Basic net loss per common share is computed by dividing net loss) by the weighted average number of shares of common stock outstanding during the period. Diluted net loss) per common share is computed by dividing net income (loss) by the weighted average number of shares of common stock and potentially outstanding shares of common stock during the period. The weighted average number of common shares outstanding and potentially outstanding common shares assumes that the Company incorporated as of the beginning of the first period presented.

For the nine months ended September 30, 2025, the 300,000,000 potentially dilutive shares of common stock from the Series D preferred stock.

For periods when the Company incurred net losses, the dilutive shares were excluded in the denominator of the diluted earnings per share calculation as the inclusion of such shares would have been anti-dilutive given the net loss recorded for the period.

*<u>Recent Accounting Pronouncements</u>*

The Company has implemented all applicable accounting pronouncements that are in effect. These pronouncements did not have any material impact on the audited financial statements unless otherwise disclosed, and the Company does not believe that there are any other new accounting pronouncements that have been issued that might have a material impact on its audited financial position or results of operations.

**NOTE 3 – GOING CONCERN**

The accompanying audited financial statements have been prepared on a going concern basis, which contemplates the realization of assets and the satisfaction of liabilities in the normal course of business. The Company has no revenue and has an accumulated deficit as of September 30, 2025. The Company requires capital for its contemplated operational and marketing activities. The Company's ability to raise additional capital through the future issuances of common stock is unknown. The obtainment of additional financing, the successful development of the Company's contemplated plan of operations, and its transition, ultimately, to the attainment of profitable operations are necessary for the Company to continue operations. These conditions and the ability to successfully resolve these factors raise substantial doubt about the Company's ability to continue as a going concern. The audited financial statements of the Company do not include any adjustments that may result from the outcome of these uncertainties.

**NOTE 4 – EQUITY**

*Preferred Stock* 

On August 25, 2023, a change in control of the Company occurred by virtue of the Company's largest shareholder sold 300,000 shares of the Convertible Series D Preferred Stock and issued 477 shares of Restricted Common Stock to Well Profit Holdings Limited.

On June 6, 2022, the Company filed Articles of Amendment, with the State of Florida designating 10,000,000 shares of the Preferred Stock as Convertible Series D Preferred Stock, par value $0.001. Each share of Convertible Series D Preferred Stock is convertible into 1,000 shares of common stock. In addition, the Convertible Series D Preferred Stock has voting privileges of 1,000 votes per one share of Series D. The Convertible Series D Preferred Stock is not entitled to dividends.

On June 6, 2022, Ms. Keaveney was compensated for her role as custodian with 300,000 shares of Convertible Preferred D Series Stock.

As of December 31, 2021, the Company had the following designations for preferred stock; 50,000 shares of Series Preferred A Stock, 100,000 shares of Series Preferred B Stock, and 10,000,000 shares of Series Preferred C Stock. There were no shares issued and outstanding as of December 31, 2021. Effective June 7, 2022, the number of shares and all rights, privileges and restrictions of the Series of Preferred Stock were cancelled.

*Common Stock*

 

The Company is authorized to issue 500,000,000 shares of common stock.

On June 2, 2025, the Company's board of directors and the shareholders holding a majority of the voting power of the Company approved by written consent, the changing the name of the Company from "Vestiage, Inc." to "Loan Artificial Intelligence Corp." and a reverse stock split of all of the issued and outstanding shares of Common Stock of the Company on a 1-for-800 basis, such that each issued and outstanding 800 shares of Common Stock shall become 1 share of Common Stock (the "Reverse Stock Split"). No fractional shares were issued in connection with the Reverse Stock Split; instead, holders received cash payments equal to the product of the closing sales price on the OTC Markets on the effective date and the fractional share otherwise issuable, after which such holders had no further interest in those fractional shares. The name change, symbol change, and the Reverse Stock Split were effective on October 30, 2025. All share and per-share information (including earnings per share) presented in the accompanying consolidated financial statements and related notes have been retroactively adjusted to reflect the Reverse Stock Split as if it had occurred at the beginning of the earliest period presented.

On August 25, 2023, a change in control of the Company occurred by virtue of the Company's largest shareholder sold 300,000 shares of the Convertible Series D Preferred Stock and issued 477 shares of Restricted Common Stock to Well Profit Holdings Limited.

On January 12, 2023, the Company issued 1 share of common stock pursuant to a Share Exchange Agreement for the acquisition of Fun Fitness Corporation.

On June 6, 2022, Ms. Keaveney was compensated for her role as custodian of the Company with 1 share of common stock.

**NOTE 5 – RELATED PARTY TRANSACTIONS**

On June 6, 2022, Ms. Keaveney, former director and officer of the Company, was compensated for her role as custodian with 300,000 shares of Convertible Preferred D Series Stock and 1 share of common stock for total amount of $32,950. The shares were issued in the name of Small Cap Compliance, LLC.

Ms. Keaveney and Small Cap Compliance, LLC, (a company owned by Ms. Keaveney) also advanced working capital to the Company in the amount of $9,520 to pay for expenses of the Company for the year ended December 31, 2022; and $46,207 in 2023, for a total due of $55,727. On August 25, 2023, the outstanding amounts were transferred to Mr. Raymond Fu upon change of control of the Company.

Mr. Raymond Fu, director and officer of the Company, have advanced working capital to pay for expenses of the Company for the years ended December 31, 2024. During the years ended December 31, 2024 and 2023, expenses paid on behalf of the Company by Mr. Fu totaled $30,683 and $1,115, respectively.

The outstanding amount due to related parties was $110,636 and $87,525 as of September 30, 2025 and December 31, 2024, respectively. These advances above are due on demand and non-interest bearing without maturity date.

**NOTE 6 – SUBSEQUENT EVENTS**

In accordance with SFAS 165 (ASC 855-10) management has performed an evaluation of subsequent events through the date that the financial statements were available for issuance and has determined that it does not have any other material subsequent events to disclose in the financial statements except the following.

On October 30, 2025, the name change, symbol change, and the Reverse Stock Split became effective. No fractional shares were issued in connection with the Reverse Stock Split; instead, holders received cash payments equal to the product of the closing sales price on the OTC Markets on the effective date and the fractional share otherwise issuable, after which such holders had no further interest in those fractional shares. All share and per-share information (including earnings per share) presented in the accompanying consolidated financial statements and related notes have been retroactively adjusted to reflect the Reverse Stock Split as if it had occurred at the beginning of the earliest period presented.

**Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations**

*The following management's discussion and analysis ("MD&A") should be read in conjunction with financial statements the Company. for the three and nine months ended September 30, 2025 and 2024, and the notes thereto.*

**Safe Harbor for Forward-Looking Statements**

Certain statements included in this MD&A constitute forward-looking statements, including those identified by the expressions *anticipate, believe, plan, estimate, expect, intend,* and similar expressions to the extent they relate to Loan Artificial Intelligence Corp. formerly Vestiage, Inc. (the "Company") or its management. These forward-looking statements are not facts, promises, or guarantees; rather, they reflect current expectations regarding future results or events. These forward-looking statements are subject to risks and uncertainties that could cause actual results, activities, performance, or events to differ materially from current expectations. These include risks related to revenue growth, operating results, industry, services and litigation, as well as the matters discussed in the Company's MD&A. Readers should not place undue reliance on any such forward-looking statements. Loan Artificial Intelligence Corp. formerly Vestiage, Inc. disclaims any obligation to publicly update or to revise any such statements to reflect any change in the Company's expectations or in events, conditions, or circumstances on which any such statements may be based, or that may affect the likelihood that actual results will differ from those set forth in the forward-looking statements.

**Overview**

Loan Artificial Intelligence Corp. formerly Vestiage, Inc. (the "Company") is a developmental stage company, incorporated under the laws of the State of Florida on October 31, 2006. On December 29, 2022, Loan Artificial Intelligence Corp. formerly Vestiage, Inc., a Florida corporation, executed a Share Exchange Agreement and with Fun Fitness Corporation ("FFC" the "Subsidiary"), a Wyoming corporation. On January 12, 2023 the acquisition closed and the Company acquired 100% of the issued stock and 1,000,000 shares of Convertible Series A Preferred Stock in exchange for 1 share of the Company's restricted Common Stock.

On December 31, 2023, Loan Artificial Intelligence Corp. formerly Vestiage, Inc. disposed of its subsidiary, Fun Fitness Corporation ('FFC'), by returning the 1,000,000 shares of Convertible Series A Preferred Stock acquired during the merger. The Company recognized a gain of $7,748 on disposal, calculated as the difference between the net asset carrying value and the fair value of the consideration received, which was $0. No remaining interests are held in FFC, and the disposal is not classified as a discontinued operation due to the absence of a strategic shift in operations.

Prior to the disposal, the Company's subsidiary, FFC, was involved in the fitness event planning industry. FFC's services included competition planning, vendor management, securing equipment, and coordinating food and volunteers for events. FFC also organized holiday and new member celebrations for local gyms.

Opportunities may come to the Company's attention from various sources, including our management, our stockholders, professional advisors, securities broker dealers, venture capitalists and private equity funds, members of the financial community and others who may present unsolicited proposals. At this time, the Company has no plans, understandings, agreements, or commitments with any individual or entity to act as a finder in regard to any business opportunities. While it is not currently anticipated that the Company will engage unaffiliated professional firms specializing in business acquisitions, reorganizations or other such transactions, such firms may be retained if such arrangements are deemed to be in the best interest of the Company. Compensation to a finder or business acquisition firm may take various forms, including one-time cash payments, payments involving issuance of securities (including those of the Company), or any combination of these or other compensation arrangements. Consequently, the Company is currently unable to predict the cost of utilizing such services.

The Company has not restricted its search to any particular business, industry, or geographical location. In evaluating a potential transaction, the Company analyzes all available factors and make a determination based on a composite of available facts, without reliance on any single factor.

It is not possible at this time to predict the nature of a transaction in which the Company may participate. Specific business opportunities would be reviewed as well as the respective needs and desires of the Company and the legal structure or method deemed by management to be suitable would be selected. In implementing a structure for a particular transaction, the Company may become a party to a merger, consolidation, reorganization, tender offer, joint venture, license, purchase and sale of assets, or purchase and sale of stock, or other arrangement the exact nature of which cannot now be predicted. Additionally, the Company may act directly or indirectly through an interest in a partnership, corporation or other form of organization. Implementing such structure may require the merger, consolidation, or reorganization of the Company with other business organizations and there is no assurance that the Company would be the surviving entity. In addition, our present management and stockholders may not have control of a majority of the voting shares of the Company following reorganization or other financial transaction. As part of such a transaction, some or all of the Company's existing directors may resign and new directors may be appointed. The Company's operations following the consummation of a transaction will be dependent on the nature of the transaction. There may also be various risks inherent in the transaction, the nature and magnitude of which cannot be predicted.

The Company may also be subject to increased US and China governmental regulations following a transaction; however, it is not possible at this time to predict the nature or magnitude of such increased regulation, if any.

The Company expects to continue to incur moderate losses each quarter until a transaction considered appropriate by management is effectuate.

At present financial revenue has not yet been realized. The Company hopes to raise capital in order to fund the acquisitions. All statements involving our business plan are forward looking statements and have not been implemented as of this filing.

The Company is moving in a new direction, statements made relating to our contemplated business combination are forward looking statements and we have no history of performance. Current management does not have any experience in acquisition of companies but is actively looking for a suitable person to incorporate into the management team.

The analysis will be undertaken by or under the supervision of our management. As of the date of this filing, we have not entered into definitive agreements. In our continued efforts to analyze potential business plan, we intend to consider the following factors:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Potential for growth, indicated by anticipated market expansion or new technology;

· Competitive position as compared to other businesses of similar size and experience within our contemplated segment as well as within the industry as a whole;

· Strength and diversity of management, and the accessibility of required management expertise, personnel, services, professional assistance and other required items;

· Capital requirements and anticipated availability of required funds, to be provided by the Company or from operations, through the sale of additional securities or convertible debt, through joint ventures or similar arrangements or from other sources;

· The extent to which the business opportunity can be advanced in our contemplated marketplace; and

· Other relevant factors

In applying the foregoing criteria, management will attempt to analyze all factors and circumstances and make a determination based upon reasonable investigative measures and available data. Due to our limited capital available for investigation, we may not discover or adequately evaluate adverse facts about the opportunity to be acquired. Additionally, we will be competing against other entities that may have greater financial, technical, and managerial capabilities for identifying and completing our business plan.

We are unable to predict when we will, if ever, identify and implement a business plan. We anticipate that proposed business plan would be made available to us through personal contacts of our directors, officers and principal stockholders, professional advisors, broker-dealers, venture capitalists, members of the financial community and others who may present unsolicited proposals. In certain cases, we may agree to pay a finder's fee or to otherwise compensate the persons who introduce the Company to business opportunities in which we participate.

We expect that our due diligence will encompass, among other things, meetings with incumbent management of the target business and inspection of its facilities, as necessary, as well as a review of financial and other information, which is made available to the Company. This due diligence review will be conducted either by our management or by third parties we may engage. We anticipate that we may rely on the issuance of our common stock in lieu of cash payments for services or expenses related to any analysis.

We may incur time and costs required to select and evaluate our business structure and complete our business plan, which cannot presently be determined with any degree of certainty. Any costs incurred with respect to the indemnification and evaluation of a prospective business that is not ultimately completed may result in a loss to the Company. These fees may include legal costs, accounting costs, finder's fees, consultant's fees and other related expenses. We have no present arrangements for any of these types of fees.

We anticipate that the investigation of specific business opportunities and the negotiation, drafting and execution of relevant agreements, disclosure documents and other instruments will require substantial management time and attention and substantial cost for accountants, attorneys, consultants, and others. Costs may be incurred in the investigation process, which may not be recoverable. Furthermore, even if an agreement is reached for the participation in a specific business opportunity, the failure to consummate that transaction may result in a loss to the Company of the related costs incurred.

As of the time of this filing, the Company has not implemented a business combination. Our business plan is to merge with, or acquire, an operating entity that offers product or service growth potential. We are actively looking for a suitable merger candidate and evaluating potential target companies that align with our business plan. This will require review of financials, products and management of the merger candidate. We anticipate the review process could take up to 30 days after a viable candidate is located.

On June 2, 2025, the Company's board of directors and the shareholders holding a majority of the voting power of the Company approved by written consent, the changing the name of the Company from "Vestiage, Inc." to "Loan Artificial Intelligence Corp." and a reverse stock split of all of the issued and outstanding shares of Common Stock of the Company on a 1- for-800 basis, such that each issued and outstanding 800 shares of Common Stock shall become 1 share of Common Stock (the "Reverse Stock Split"). No fractional shares were issued in connection with the Reverse Stock Split; instead, holders received cash payments equal to the product of the closing sales price on the OTC Markets on the effective date and the fractional share otherwise issuable, after which such holders had no further interest in those fractional shares.

The name change, symbol change, and the Reverse Stock Split were effective on October 30, 2025. All share and per-share information (including earnings per share) presented in the accompanying reports have been retroactively adjusted to reflect the Reverse Stock Split as if it had occurred at the beginning of the earliest period presented.

**Results of Operations**

 

The financial statements appearing elsewhere in this report have been prepared assuming the Company will continue as a going concern. The Company was recently formed and has not established sufficient operations or revenues to sustain the Company. These conditions raise substantial doubt about the Company's ability to continue as a going concern.

The following table provides selected balance sheet data for our Company at September 30, 2025 (unaudited) and December 31, 2024:

---

| | | |
|:---|:---|:---|
|  | **September 30, <br> 2025** | **December 31, <br> 2024** |
| **Balance Sheet Data** |  |  |
| Cash | $– | $– |
| Total Assets |  |  |
| Total Liabilities | 157267 | 110370 |
| Total Stockholders' Deficit | $157267 | $110370 |

---

To date, the Company has relied on debt and equity raised in private offerings and shareholder loans to finance operations and no other sources of capital has been identified. If we experience a shortfall in operating capital, we could be faced with having to limit our research and development activities.

 **

***Three and Nine months ended September 30, 2025 and 2024***

 **

*<u>Revenue</u>*

For the three and nine months ended September 30, 2025 and 2024, the Company had not generated any revenues.

*<u>Operating Expenses</u>*

Operating expenses for the three months ended September 30, 2025 were $32,641 compared to $9,967 for the three months ended September 30, 2024.

Operating expenses for the nine months ended September 30, 2025 were $46,897 compared to $36,851 for the nine months ended September 30, 2024.

Operating expenses increased in 2025 due to other professional fees and other general and administrative fees incurred for this period.

*<u>Other Income and Expenses</u>*

For the three and nine months ended September 30, 2025 and 2024, the Company did not have any other income or expenses.

 

*<u>Net Income (Loss)</u>*

For the three months ended September 30, 2025, the Company had a net loss of $32,641 compared to the three months period ended September 30, 2024 of a net loss of $9,967.

For the nine months ended September 30, 2025, the Company had a net loss of $46,897 compared to the nine months period ended September 30, 2024 of a net loss of $36,851.

***Liquidity and Capital Resources***

As of September 30, 2025, we had no cash and had a working capital deficit of $157,267.

The Company has not generated any revenues from operations, and may be unable to fund on-going activities. We cannot guarantee that we will be successful in our business operations. Our business is subject to risks inherent in the establishment of a new business enterprise, including limited capital resources, possible delays in developing our own hardware and software, and the possibility of new regulations that will make our company difficult or impossible to operate.

If we are unable to meet our needs for cash from either our operations, or possible alternative sources, then we may be unable to continue, develop, or expand our operations.

If we are unable to complete any phase of our development program or fail to raise additional capital to maintain our operations in the future, we may be unable to carry out our full business plan or we may be forced to cease operations.

The Company's related party will continue to advance the necessary capital to pay the expenses of the Company and there are no formal financing agreements in place. The outstanding amount due to related parties was $110,636 and $87,525 as of September 30, 2025 and December 31, 2024.

*<u>Operating Activities</u>*

Net cash used in operating activities were $23,111 for the nine months ended September 30, 2025 and $23,399 for the same period ended 2024. The change resulted from net operating loss $45,397 for the nine months ended September 30, 2025 with accounts payable and accrued expenses increased by $23,786 from $22,845 at December 31, 2024 to $46,631 at September 30, 2025. The increase in accounts payable and accrued expenses is related to other professional fee and administration expenses incurred and payable during the period.

*<u>Investing Activities</u>*

 

No investing activities occurred during the nine months ended September 30, 2025 and 2024.

 

*<u>Financing Activities</u>*

Net cash provided by financing activities were $23,111 for the nine months ended September 30, 2025 and $23,399 for the same period ended in 2024. The Company received net advances of $23,111 and $23,399 from related party for working capital purposes for the nine months ended September 30, 2025, respectively. During the nine months ended September 30, 2025 the Company issued $Nil common stock for cash.

***Off-Balance Sheet Arrangements***

There are no off-balance sheet arrangements with any party.

***Critical Accounting Policies***

Our discussion and analysis of results of operations and financial condition are based upon our condensed consolidated financial statements, which have been prepared in accordance with accounting principles generally accepted in the United States of America. The preparation of these condensed consolidated financial statements requires us to make estimates and judgments that affect the reported amounts of assets, liabilities, revenues and expenses, and related disclosure of contingent assets and liabilities. We evaluate our estimates on an ongoing basis, including those related to provisions for uncollectible accounts receivable, inventories, valuation of intangible assets and contingencies and litigation. We base our estimates on historical experience and on various other assumptions that are believed to be reasonable under the circumstances, the results of which form the basis for making judgments about the carrying values of assets and liabilities that are not readily apparent from other sources. Actual results may differ from these estimates under different assumptions or conditions.

The accounting policies that we follow are set forth in Note 2 to our financial statements as included in the SEC report filed. These accounting policies conform to accounting principles generally accepted in the United States and have been consistently applied in the preparation of the financial statements.

**Item 3. Quantitative and Qualitative Disclosures about Market Risk**

As a "smaller reporting company," as defined by Rule 12b-2 of the Exchange Act, we are not required to provide the information in this Item.

**Item 4. Controls and Procedures**

*a) Evaluation of Disclosure Controls and Procedures*

We conducted an evaluation, under the supervision and with the participation of our management, of the effectiveness of the design and operation of our disclosure controls and procedures. The term "disclosure controls and procedures," as defined in Rules 13a-15(e) and 15d-15(e) under the Securities and Exchange Act of 1934, as amended ("Exchange Act"), means controls and other procedures of a company that are designed to ensure that information required to be disclosed by the company in the reports it files or submits under the Exchange Act is recorded, processed, summarized and reported, within the time periods specified in the Securities and Exchange Commission's rules and forms. Disclosure controls and procedures also include, without limitation, controls and procedures designed to ensure that information required to be disclosed by a company in the reports that it files or submits under the Exchange Act is accumulated and communicated to the company's management, including its principal executive and principal financial officers, or persons performing similar functions, as appropriate, to allow timely decisions regarding required disclosure. Based on that evaluation, our Chief Executive Officer and Chief Financial Officer concluded that, as of September 30, 2025, our disclosure controls and procedures were not effective at the reasonable assurance level due primarily to a material weakness in the segregation of duties in the Company's internal control of financial reporting as discussed below.

Management conducted an evaluation of the design and operation of our internal control over financial reporting as of the end of the period covered by this report, based on the criteria in a framework developed by the Company's management pursuant to and in compliance with the criteria established. This evaluation included review of the documentation of controls, evaluation of the design effectiveness of controls, walkthroughs of the operating effectiveness of controls and a conclusion on this evaluation. Based on this evaluation, management has concluded that our internal control over financial reporting was not effective, because management identified a material weakness in the Company's internal control over financial reporting related to the segregation of duties as described below.

While the Company does adhere to internal controls and processes that were designed, it is difficult with a very limited staff to maintain appropriate segregation of duties in the initiating and recording of transactions, thereby creating a segregation of duties weakness. Due to: (i) the significance of segregation of duties to the preparation of reliable financial statements; (ii) the significance of potential misstatement that could have resulted due to the deficient controls; and (iii) the absence of sufficient other mitigating controls, we determined that this control deficiency resulted in more than a remote likelihood that a material misstatement or lack of disclosure within the annual or interim financial statements may not be prevented or detected.

*<u>Management's Remediation Initiatives</u>*

Management has evaluated, and continues to evaluate, avenues for mitigating our internal controls weaknesses, but mitigating controls to completely mitigate internal control weaknesses have been deemed to be impractical and prohibitively costly, due to the size of our organization at the current time. Management expects to continue to use reasonable care in following and seeking improvements to effective internal control processes that have been and continue to be in use at the Company.

*b) Inherent Limitations on Internal controls*

Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions or that the degree of compliance with the policies or procedures may deteriorate. A control system, no matter how well designed and operated can provide only reasonable, but not absolute, assurance that the control system's objectives will be met. The design of a control system must reflect the fact that there are resource constraints, and the benefits of controls must be considered relative to their cost.

*c) Changes in Internal Control over Financial Reporting*

During the nine months ended September 30, 2025, there were no changes in our internal controls over financial reporting, which were identified in connection with our management's evaluation required by paragraph (d) of rules 13a-15 and 15d-15 under the Exchange Act, that materially affected, or is reasonably likely to have a material effect on our internal control over financial reporting.

**PART II OTHER INFORMATION**

**Item 1. Legal Proceedings**

We are not a party to any material or legal proceeding, and, to our knowledge, none is contemplated or threatened.

**Item 1A. Risk Factors**

We are a smaller reporting company as defined by Rule 12b-2 of the Securities Exchange Act of 1934 and are not required to provide the information under this item.

**Item 2. Unregistered Sales of Equity Securities and Use of Proceeds**

On December 29, 2022, the Company executed a Share Exchange Agreement between the Company and Fun Fitness Corporation. On January 12, 2023, the Company acquired 100% of the issued stock, 1,000,000 shares of Convertible Series A Preferred Stock in exchange for 1 share of the Company's restricted Common Stock. There were no proceeds exchanged in this transaction.

**Item 3. Defaults Upon Senior Securities**

There have been no defaults upon senior securities.

**Item 4. Mine Safety Disclosures**

Not applicable.

**Item 5. Other Information**

During the period ended September 30, 2025, no director or officer of the Company adopted or terminated a "Rule 10b5-1 trading arrangement" or "non-Rule 10b5-1 trading arrangement," as each term is defined in Item 408(a) of Regulation S-K.

**Item 6. Exhibits**

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| | |
|:---|:---|
| **Exhibit No.** | **Description** |
| 31.1 | [Certification of Chief Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002\*](loan_ex3101.htm) |
| 31.2 | [Certification of Chief Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002\*](loan_ex3102.htm) |
| 32.1 | [Certification of Chief Executive Officer Pursuant to 18 U.S.C. Section 1350\*](loan_ex3201.htm) |
| 32.2 | [Certification of Chief Financial Officer Pursuant to 18 U.S.C. Section 1350\*](loan_ex3202.htm) |
| 101.INS | Inline XBRL Instance Document (the instance document does not appear in the Interactive Data File because its XBRL tags are embedded within the Inline XBRL document) |
| 101.SCH | Inline XBRL Taxonomy Extension Schema Document |
| 101.CAL | Inline XBRL Taxonomy Extension Calculation Linkbase Document |
| 101.DEF | Inline XBRL Taxonomy Extension Definition Linkbase Document |
| 101.LAB | Inline XBRL Taxonomy Extension Label Linkbase Document |
| 101.PRE | Inline XBRL Taxonomy Extension Presentation Linkbase Document |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document) |

---

______________________

\* Filed Herewith.

**SIGNATURES**

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

---

| | | |
|:---|:---|:---|
| Date: November 14, 2025 | **LOAN ARTIFICIAL INTELLIGENCE CORP.**<br> **FORMERLY VESTIAGE, INC.**  | **LOAN ARTIFICIAL INTELLIGENCE CORP.**<br> **FORMERLY VESTIAGE, INC.**  |
|  | By: | /s/ Raymond Fu |
|  | Name | Raymond Fu |
|  | Title | Chief Executive Officer and Chief Financial Officer |

---

## Exhibit 31.1

**EXHIBIT 31.1**

**Certification of Principal Executive and Financial Officer**

I, Raymond Fu, certify that:

---

| | | |
|:---|:---|:---|
| 1. | I have reviewed this Form 10-Q of Loan Artificial Intelligence Corp.; | I have reviewed this Form 10-Q of Loan Artificial Intelligence Corp.; |
| 2. | Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statement no mislead with respect to the period covered by this report; | Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statement no mislead with respect to the period covered by this report; |
| 3. | Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report; | Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report; |
| 4. | The registrant's other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act rules 13a-15(f) and 15d-15(f)) for the registrant and have: | The registrant's other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act rules 13a-15(f) and 15d-15(f)) for the registrant and have: |
|  | a) | Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; |
|  | b) | Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles; |
|  | c) | Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and; |
|  | d) | Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and |
| 5. | The registrant's other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors (or persons performing the equivalent functions): | The registrant's other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors (or persons performing the equivalent functions): |
|  | a) | All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and |
|  | b) | Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control. |

---

---

| | |
|:---|:---|
| Date: November 14, 2025 |  |
|  | **Loan Artificial Intelligence Corp** |
|  | By: <u>/s/ Raymond Fu</u> |
|  | Name: Raymond Fu |
|  | Title: CEO |

---

## Exhibit 31.2

**EXHIBIT 31.2**

**Certification of Principal Executive and Financial Officer**

I, Raymond Fu, certify that:

---

| | | |
|:---|:---|:---|
| 1. | I have reviewed this Form 10-Q of Loan Artificial Intelligence Corp.; | I have reviewed this Form 10-Q of Loan Artificial Intelligence Corp.; |
| 2. | Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statement no mislead with respect to the period covered by this report; | Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statement no mislead with respect to the period covered by this report; |
| 3. | Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report; | Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report; |
| 4. | The registrant's other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act rules 13a-15(f) and 15d-15(f)) for the registrant and have: | The registrant's other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act rules 13a-15(f) and 15d-15(f)) for the registrant and have: |
|  | a) | Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; |
|  | b) | Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles; |
|  | c) | Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and; |
|  | d) | Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and |
| 5. | The registrant's other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors (or persons performing the equivalent functions): | The registrant's other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors (or persons performing the equivalent functions): |
|  | a) | All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and |
|  | b) | Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control. |

---

---

| | |
|:---|:---|
| Date: November 14, 2025 |  |
|  | **Loan Artificial Intelligence Corp.** |
|  | By: <u>/s/ Raymond Fu</u> |
|  | Name: Raymond Fu |
|  | Title: CFO |

---

## Exhibit 32.1

**EXHIBIT 32.1**

**CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002**

In connection with the filing of Loan Artificial Intelligence Corp. (the "Company") Quarterly Report on Form 10-Q for the period ending September 30, 2025 (the "Report"), I, Raymond Fu, the Chief Executive Officer of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

---

| | |
|:---|:---|
| Date: November 14, 2025 |  |
|  | **Loan Artificial Intelligence Corp.** |
|  | By: <u>/s/ Raymond Fu</u> |
|  | Name: Raymond Fu |
|  | Title: CEO |

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## Exhibit 32.2

**EXHIBIT 32.2**

**CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002**

In connection with the filing of Artificial Intelligence Corp. (the "Company") Quarterly Report on Form 10-Q for the period ending September 30, 2025 (the "Report"), I, Raymond Fu, the Chief Financial Officer of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

---

| | |
|:---|:---|
| Date: November 14, 2025 |  |
|  | **Loan Artificial Intelligence Corp.** |
|  | By: <u>/s/ Raymond Fu</u> |
|  | Name: Raymond Fu |
|  | Title: CFO |

---