Your Credit & Compliance Partner for Fintechs
Agility Credit powers fintechs, embedded lenders and BNPL platforms with everything needed to originate, verify and comply — from credit reports and scores to KYC, fraud, income and compliance automation. We help fintechs build scalable credit experiences that feel frictionless to the user and fully compliant behind the scenes.
A Platform Designed for Innovation
Fintech leaders need speed, flexibility and confidence in their data. Agility Credit delivers real-time credit reports, instant verification and programmatic compliance enforcement through modern APIs and hosted solutions. Our platform allows fintechs to embed the entire credit lifecycle — from soft pull to funding — directly into their digital experiences without sacrificing control or auditability.
Core Capabilities
- Credit Reports & Scores – Pull full or soft credit reports and leverage thousands of normalized attributes for decisioning, segmentation and underwriting — all available through API or hosted integrations.
- Automated Decisioning Workflows – Build logic-driven credit flows that move customers from prequalification to verification automatically, eliminating manual review bottlenecks.
- Programmatic Compliance Enforcement – Automate required actions — privacy notice delivery, Red Flag checks, risk-based pricing, Adverse Action letters and audit documentation — with policies enforced at the code level.
- Identity & Fraud Verification – Verify users instantly through document matching, OTP, device intelligence and out-of-wallet (non-credit) KBA — configurable to your fraud model.
- Income & Cash Flow Analytics – Combine verified income data, modeled income and cash flow analytics to support affordability, ability-to-pay and BNPL risk management.
- Embedded & Hosted Credit Experiences – Choose from API integrations or branded hosted experiences that fit natively within your digital product — compliant, fast and customer-friendly.
Value for Fintech Innovators
- Single Partner for Credit & Compliance: Credit reports, KYC, income and compliance enforcement under one roof.
- API-Driven Speed: Integrate credit and verification capabilities directly into your digital flow.
- Systematic Oversight: Enforce compliance, decision rules and audit trails automatically — no manual intervention required.
- Frictionless Consumer Experience: Deliver fast, seamless onboarding without compliance gaps.
- Scalable Infrastructure: Built for real-time volume — whether you're handling hundreds or millions of transactions.
Use Cases
- Buy Now, Pay Later (BNPL): Instant soft-pull credit checks, KYC and compliance enforcement for frictionless approvals.
- Embedded Lending: Build credit offers and prequalification directly into your fintech ecosystem.
- Digital Credit Platforms: Automate the full credit and compliance stack across multiple partner integrations.
- Consumer Finance Apps: Provide customers with responsible credit access powered by accurate data and automated verification.
Why Fintechs Choose Agility Credit
Because we're more than a data provider — we're your credit and compliance partner. Agility Credit combines true credit bureau connectivity with automation, KYC and policy control — so you can scale responsibly, stay compliant and deliver better credit experiences.
Get Started
Build credit products faster — and safer. Agility Credit gives fintechs and BNPL platforms a complete, automated foundation for credit reporting, verification and compliance.
