debt-repayment-api
(2)
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.
Jose Bethancourt
Jose Bethancourt is the co-founder and CEO of Method Financial, an API platform that lets fintechs and lenders connect to and manage consumers' liability accounts - credit cards, student loans, auto loans and mortgages - using only a phone number. Raised near the Texas-Mexico border in one of the poorest counties in the U.S., he studied computer science and business at UT Austin, co-founded the student-loan startup GradJoy through Y Combinator's Summer 2019 batch, then pivoted the team's account-connectivity frustrations into Method in 2021. Method now serves more than 80 fintech clients including SoFi, Robinhood and Credit Karma, has processed over $500 million in payments, and raised a $41.5M Series B in January 2025 led by Emergence Capital. Bethancourt was named to the Forbes 30 Under 30 Finance list in 2026.