Turn financial data into reliable credit decisions

Fintechs and financial institutions use Pave’s Cashflow APIs to rapidly build underwriting models and predict bill payments, income, overdrafts, and more.

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 Features

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.

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 advancecredit builderoverdraft protection, and more.

See how it works.

Check Out Our Blog

Announcing the Deduplication Model

We’ve noticed that data from aggregators including Plaid and MX return duplicate transactions across multiple accounts for a user. These erroneous transactions result in incorrect

Read More »
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