consumer-permissioned-data
(5)
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.
Canopy Connect
Canopy Connect is a San Francisco-based insurtech that acts as the connective tissue between consumers, insurance carriers, and businesses. Often called "Plaid for insurance," its API and no-code tools let people securely share verified insurance details - auto, home, and commercial policies - in about 20 seconds by logging into their carrier. Insurance agencies, carriers, lenders, and other insurtechs use the platform to pull structured, real-time policy data instead of asking customers to type it all out or upload documents.
Rightfoot
Rightfoot is a San Francisco fintech that gives lenders real-time, credential-less financial data - live bank and debit-card balances retrieved without asking borrowers to hand over bank logins. Its API and portal let lenders and collections teams verify account ownership, confirm a borrower can actually pay, and time outreach to when money is in the account, cutting failed payments and defaults. Founded in 2016 and originally an employer-enabled student-debt repayment tool, the company pivoted to permissioned data infrastructure and now serves consumer lenders, business lenders, and collections agencies.
Argyle
Argyle is a consumer-permissioned verification platform that pulls real-time income, employment, and asset data straight from the source - payroll systems and bank accounts - through an API and no-code console. Instead of faxed pay stubs and HR phone calls, lenders, background screeners, and tenant screeners get instant, direct-source verifications covering roughly 90% of the U.S. workforce. Founded in 2018 and headquartered in New York, the company has raised over $100M from Bain Capital Ventures, Rockefeller Asset Management, Mastercard, Checkr, and SignalFire.
MeasureOne
MeasureOne is a San Francisco-based data infrastructure company that operates a Consumer-Permissioned Data Platform-as-a-Service. Through a single API, businesses can verify income, employment, education, and insurance directly from the source - only with the consumer's explicit consent.