Unlock a unified view of your customer’s income, expenses, and more to drive critical credit decisions and build personalized financial experiences.
Access 300+ Risk & Affordability Attributes to train and backtest your models.
Access predictive Scores trained on Pave’s growing labeled dataset of loan payments and defaults to help drive lift in your risk models.
Test out our products above using our sandbox environment at no cost.
Transform raw bank transactions with our Cashflow API including:
Use a growing number of signals in your models with our Attributes Store including:
Use our pre-built Scores trained on billions of labeled datapoints:
Pave’s solution is a SaaS model. Monthly billing consists of a tiered platform fee for each product, as well as a per-user fee based on the number of unique users uploaded. Contact sales for an estimate if you are able to share your current monthly user count and expected growth rate over the next 6-12 months.
The User ID is assigned by you based on whatever unique identifier you choose. Our insights are on a UID level – so a UID can be associated with multiple accounts.
Pave is designed to serve real-time use cases including underwriting decisions and other types of risk models. As such, our current p50 latency is ~2 seconds and p95 is ~13 seconds.
Yes! Pave is SOC 2 Type II Compliant. Pave is committed to the security of our customers’ data and our SOC 2 certification allows us to continue supporting the growing number of fintech companies using Pave to power risk models and app functionality.
For all of our products, you may make unlimited API calls. Usage fees only apply on a per-user base, not based on the number of API calls made.