Power credit decisions with cashflow intelligence

Credit risk teams use Pave to identify healthy borrowers, optimize credit limits, and improve collections outcomes.

Current Use Cases

Leverage Pave’s Cashflow API, Attributes, and Scores in your risk models

Verify User Income

Increase approvals by automating income detection, verification, and prediction of the next paycheck deposit date.

Manage Credit and Charge Card Risk

Use Cashflow API and Account Health signals to predict user affordability and optimize credit limits.

Personalize Collections

Provide users with personalized repayment schedules that align with their income and other bill payments.

Predict Overdrafts

Help customers avoid overdrafts by analyzing their earnings, upcoming bills, and account balances.

Predict Cash Advance Defaults

Use Pave's Cash Advance Repayment Score and Attributes to predict and prevent defaults.

Manage ACH Risk

Retrieve balance records and transfer predictions to lower ACH settlement risk using Pave's Attributes, Cashflow API, and Scores.

Transform your data sources into Attributes and Scores with Pave.dev

Discover how to accelerate your model development from months to days

The Problem

Analyzing financial data is painful.

It takes millions of dollars and ongoing software engineering, data engineering, and machine learning investment to:

  • Clean and unify multiple financial data sources
  • Generate new attributes
  • Develop models and scores

This is costly and undifferentiated.

Our Solution

We’ve developed AI-powered data infrastructure that’s built on a growing and diverse set of financial data. Our Scores and Attributes help consumer fintechs and personal lenders manage their credit risk, fraud risk, and financial management tools. We power use cases like cash advance, credit builder,overdraft protection, and more. See how it works.

Check Out Our Blog

Improvements to the Balances Endpoint

We’ve released improvements to our Balances Endpoint. Please note that these improvements will not affect your current implementation. This endpoint originally returned an end-of-day balance

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Upload Plaid Auth Payloads to Pave

We’re now ingesting Plaid Auth data! Plaid Auth payloads provide information about a user’s account, including the financial institution associated with the account. The specific

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