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Nova Credit
Nova Credit is a San Francisco-based credit infrastructure and analytics company that helps lenders extend credit responsibly to people traditional bureaus miss. Founded in 2016 by three Stanford classmates, it operates as a consumer reporting agency built around three products: Credit Passport, which translates a newcomer's international credit history into a U.S.-readable report; Cash Atlas, a cash flow underwriting tool that reads consumer-permissioned bank transaction data; and Income Navigator, which automates income and employment verification. Banks and lenders including American Express, HSBC, Chase, and PayPal use Nova Credit to reach credit-invisible and thin-file consumers.
Trusting Social
Trusting Social is an AI fintech company that builds credit scores and identity products for the roughly one billion people across Asia who fall outside traditional credit bureaus. Founded in 2013 and headquartered in Singapore, it combines big-data and machine-learning models with alternative data - telco, web, and mobile signals - so banks and lenders can underwrite, verify, and acquire customers who were previously invisible to the financial system. In recent years the company has extended into generative AI, launching Agent Foundry, a platform of autonomous banking agents, on Microsoft Azure.