Figure and Method have built a verified debt consolidation product that gives lenders real-time liability data and automated payoff execution at the moment of HELOC origination.
The result: 50% lower delinquency, 2x funded conversion, and a 21-point average FICO lift within 30 days.
Victor Cardenas is the co-founder and CEO of Slash, a $1.4 billion business banking platform built on one thesis: the company holding your bank account should also own all your financial software.
Slash serves niche verticals like performance marketing agencies, import-export businesses, and more, with workflows no legacy bank has ever built for them.
Kudos started as a tool to help consumers pick the right credit card at checkout but underneath the rewards optimization is something more valuable: a data layer spanning purchase history, credit profiles, and active shopping behavior across 500,000 users.
Co-founder and CEO Tikue Anazodo explains how that asset is now powering AI agents that negotiate your bills, match you to better financial products, and execute on your behalf.
Roughly 100 million Americans are invisible to traditional credit systems, either unscored, thin-filed, or misrepresented by data that doesn't reflect their actual financial lives.
Juan Hernandez of Block explains how the company used first-party data and alternative underwriting models to extend over $200 billion in credit across Cash App, Square Loans, and Afterpay — while keeping pricing low and access wide.
