# Method

> Method is a financial connectivity platform that lets developers link, read, and repay a consumer's credit and liability accounts - credit cards, student loans, auto loans, mortgages and more - through a single API. Using only a phone number, Method connects to 20,000+ financial institutions, surfaces real-time balances, payoff quotes and due dates, and moves money directly to creditors. It powers embedded lending, refinancing, balance transfers and debt payoff for fintechs and lenders including SoFi, Aven, Bilt, Happy Money and Figure.

- **Founded:** 2021
- **Headquarters:** Austin, Texas, United States
- **Founders:** Jose Bethancourt (Co-Founder & CEO), Marco del Carmen (Co-Founder & CTO), Mit Shah (Co-Founder)
- **Team size:** ~35-70 employees
- **Products:** Connect, Data, Pay, Instant Link
- **Notable:** Facilitated $500M+ in liability repayments to date, 30M+ passwordless account connections for ~4M consumers, Coverage of ~95% of U.S. consumer debt accounts across 20,000+ institutions

## Products & services

- **Connect** — Passwordless linking of a consumer's credit and liability accounts across 20,000+ financial institutions using only a phone number, backed by identity data from credit bureaus and telecoms.
- **Data** — Real-time account intelligence - balances, transactions, due dates, payoff quotes, APR ranges and 300+ data points per account - for underwriting, engagement and refinance.
- **Pay** — Embedded payments that move money directly to creditors for loan payoffs, balance transfers, bill pay and recurring repayment via Method's payment rail.
- **Instant Link** — One-tap card and account linking that has connected 500K+ cards, used for rewards, checkout and loyalty flows.

## Achievements

- Facilitated $500M+ in liability repayments to date
- 30M+ passwordless account connections for ~4M consumers
- Coverage of ~95% of U.S. consumer debt accounts across 20,000+ institutions
- Raised $41.5M Series B led by Emergence Capital in January 2025 (~$60M total)
- Y Combinator (S19-lineage founders) backed and used by 60+ fintech and lending clients
- Powers repayment and refinance for major fintechs including SoFi, Bilt, Aven and Happy Money

## Latest updates

- **2025-01** — Raised $41.5M Series B led by Emergence Capital to expand financial account connectivity and end-to-end refinance automation.
- **2025-01** — Expanded credit card support and deeper card-network integrations, powering Bilt's card-linking tool.
- **2025-01** — TechCrunch profiled Method for helping fintechs like SoFi build repayment functionality into their apps.

## Links

- Website: https://methodfi.com
- LinkedIn: https://www.linkedin.com/company/methodfi
- Twitter/X: https://twitter.com/methodfinancial
- GitHub: https://github.com/methodfi
- Facebook: https://facebook.com/profile.php?id=61581747039647

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Profile page: https://yespress.io/method
Published by YesPress — https://yespress.io
Last updated: 2026-07-18