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.

Turn messy transaction data into cashflow insights with Pave.dev

Discover the fastest way to add insights to your app

Use Cases

Use cashflow insights to build budgeting features, recommendations engines, risk models, and more.

Create budgeting functionality

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

Predict upcoming bills

Alert customers about upcoming payments so they can plan their finances.

Predict overdrafts

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

Build recommendations

Help customers meet goals by monitoring fluctuations in behavior to make useful recommendations.

Analyze risk

Use cashflow & account health insights in risk models for cash advances, BNPL, personal lending, or money movement.

Segment your customers

Analyze LTV, acquisition, and retention by segmenting across earnings & spend profiles.

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