Use cases

Personal Finance Management

Encourage users to save

Transactions helps users eliminate wasteful spending and guides users towards investment and savings goals by analyzing up to 24 months of clean, categorized transaction history.

Understand a user’s investments

Leverage Investments to gain insight into a user’s investment accounts, including account balances, holdings, and transactions that create a change in a holding.

Enable in-app balance checks

Create a fun experience by using Balance to allow your customers to check the balances of their linked accounts within your app.

Help users manage debt

Use transactions to remind users of upcoming debt payments and suggest refinancing and debt consolidation options.

Account Verification

Faster onboarding & KYC process

Make onboarding fast and effortless. Never ask for paper documents again. Auth retrieves account information instantly when users connect their account using login credentials.

Reduce fraudulent sign-ups

Automatically confirms users' identities with what's on file at the bank: their name, phone number, address, and email.

Reduce drop-off

By making it easier –and quicker – for customers to sign up and start using your service, you increase the chances of them successfully completing the process.

Seamless user experience

Instantly check whether users have the funds to make a successful payment and increase your account funding rate with a seamless account and balance check.

Lending

Verify borrowers’ assets digitally

Provides a consolidated report with account balances, uncategorized and categorized transactions, and account identity information.

Check balances in real-time

Instantly checks whether users have the funds to make a payment or transfer.

Instantly authenticate accounts

Pulls users' account and routing information , which can be used to enable seamless payments and debit withdrawals.

Verify borrowers' identities

Confirms users' identities with what's on file at the bank—in other words, their name, phone number, address, and email — to reduce fraud.

Accounting

Faster payroll or payment enrollment

Pulls users' account and routing information , which can be used to enable seamless payments and debit withdrawals.

Smoother Invoicing

Instantly checks whether users have the funds to make a payment or transfer.

Better bookkeeping

Confirms users' identities with what’s on file at the bank — and Transactions can help find a reimbursable transaction

Simplify expense management

Confirms users' identities with what's on file at the bank—in other words, their name, phone number, address, and email — to reduce fraud.