Cashflow API to analyze risk and build financial experiences

Developers and data scientists use Pave to connect their data sources and retrieve clean & unified insights into their consumers’ spending habits, income sources and stability, bill payment patterns, and financial health.

Transform your data sources into attributes and scores with Pave.dev

Discover how to accelerate your model development from months to days

Current Use Cases

Use Cashflow Insights in your risk models and personalized financial experiences

Predict Spending Behavior

Access clean transactions to help customers understand spending behavior. Send alerts when spending habits change.

Launch Credit Builder Feature

Use Cashflow endpoints & Account Health insights to develop credit builder products and reduce ACH settlement risk.

Track Bills and Subscriptions

Use Cashflow endpoints to help your customers track and anticipate upcoming bills including loan payments, rent and utilities.

Predict Overdrafts

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

Predict Cash Advance Defaults

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

Manage ACH Risk

Lower ACH settlement risk using Pave's Attributes, Cashflow endpoints and Scores.

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 developed AI-powered data infrastructure to analyze and manage financial data and credit risk for consumer fintechs and personal lenders. 

Pave’s infrastructure powers use cases like cash advancecredit builderoverdraft protection, and more.

See how it works.

Check Out Our Blog

Detecting Crypto Transactions

We’re excited to announce that we launched “Crypto” as a new tag for our recurring_outflows and recurring_inflows endpoints! We originally only tagged cryptocurrency transactions as

Read More »

Detecting Cashback Rewards

We observed a 6.12% month-over-month growth of Cashback transactions over the past year. Cashback can potentially be redirected towards paying off debt and boosting savings.

Read More »

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