Credit risk teams use Pave to identify healthy borrowers, optimize credit limits, and improve collections outcomes.
Leverage Pave’s Cashflow API, Attributes, and Scores in your risk models
Increase approvals by automating income detection, verification, and prediction of the next paycheck deposit date.
Use Cashflow API and Account Health signals to predict user affordability and optimize credit limits.
Provide users with personalized repayment schedules that align with their income and other bill payments.
Help customers avoid overdrafts by analyzing their earnings, upcoming bills, and account balances.
Use Pave's Cash Advance Repayment Score and Attributes to predict and prevent defaults.
Retrieve balance records and transfer predictions to lower ACH settlement risk using Pave's Attributes, Cashflow API, and Scores.
Analyzing financial data is painful.
It takes millions of dollars and ongoing software engineering, data engineering, and machine learning investment to:
This is costly and undifferentiated.
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
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
We’ve released integrations with Galileo and Lithic! This will allow you to upload bank data from Galileo and Lithic accounts to the Pave API. With
