Dashboard displaying an income summary with total, available, and average monthly balances in British pounds, alongside a bar graph showing monthly income trends from July 2023 to May 2024. Net income for the year is £50,556.12 with an average monthly income of £4,213.42.

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Quickly access the latest cash flow data with high converting, personalised user experiences.

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  • Seamless experiences for higher conversion

    Offer loans three times faster than traditional methods, without impacting defaults.

  • Insights and attributes for easy risk assessment

    Use real-time cash flow insights from millions of permissioned accounts to make smarter risk decisions and offer more competitive loan terms.

Streamline everything from verification to repayments

Get to know and verify borrowers

Quickly verify assets and income, meet global KYC requirements, and reduce fraud losses with our powerful anti-fraud engine.

  • Identity Verification

    Stay ahead of compliance and risk. Easily verify borrowers’ identities for global KYC with ID document checks, liveness detection, risk analysis, and anti-money laundering watchlist screening.

    Identity verification interface displaying a woman undergoing liveness detection with successful checks for left eye, right eye, and nose. The system assesses behavior risk as low and phone risk as high. A futuristic digital background with a wireframe pattern emphasizes biometric security and fraud detection in financial technology.

  • Make smarter and faster decisions. Get real-time insights into a borrower’s income and employment in seconds with a breakdown of earnings from salaries, gig work, and more.

    Income summary dashboard displaying total balance ($4,528.08), available balance ($4,027.98), and average monthly balance ($4,872.34). A bar chart visualizes income per month from July 2023 to May 2024. Additional metrics include total net income ($50,556.12) for the last year and average net income ($4,213.42) per month. The interface features a clean design with a gradient blue and purple background, emphasizing financial tracking and budgeting.
Identity verification interface displaying a woman undergoing liveness detection with successful checks for left eye, right eye, and nose. The system assesses behavior risk as low and phone risk as high. A futuristic digital background with a wireframe pattern emphasizes biometric security and fraud detection in financial technology.
The conversion we've seen with Plaid is by far the best of any open banking provider we've worked with.

Tom Steer
Head of Underwriting

Lend smarter with cash flow data

Make smarter credit and lending decisions with unique risk and cash flow insights. Get up to 24 months of cash flow data on the Financial Insights Report for a full financial picture.

Lend smarter with cash flow data

Make smarter credit and lending decisions with unique risk and cash flow insights. Get up to 24 months of cash flow data on the Financial Insights Report for a full financial picture.

The real-time data from Plaid plays a crucial role in powering our automated underwriting and repayments process.

Andy Quach
Head of Commercial

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Instantly disburse loans

Speed up loan payouts giving eligible borrowers faster access to funds.

  • Payouts

    Make seamless withdrawals that arrive instantly. Cut hefty costs from cards and acquirers with low fixed-fee payments.

    Real-time payment (RTP) transaction summary displaying a loan approval of $12,000.00. The transaction list for Eva Prosperi, linked to Gingham Bank account ending in 1234, includes a loan deposit from Zyppy Loans on July 20, 2024 (+$12,000.00), a rent payment to Dot Apartments on July 17, 2024 (-$2,381.60), and a food purchase at Dim Sum Bistro on July 7, 2024 (-$62.42). The interface features a gradient blue design, emphasizing digital banking, instant payments, and secure financial transactions.
Real-time payment (RTP) transaction summary displaying a loan approval of $12,000.00. The transaction list for Eva Prosperi, linked to Gingham Bank account ending in 1234, includes a loan deposit from Zyppy Loans on July 20, 2024 (+$12,000.00), a rent payment to Dot Apartments on July 17, 2024 (-$2,381.60), and a food purchase at Dim Sum Bistro on July 7, 2024 (-$62.42). The interface features a gradient blue design, emphasizing digital banking, instant payments, and secure financial transactions.
Mobile screen displaying a Plaid interface for setting up regular payments from an N26 bank account to Zyppy Loans, with a reference ID “Zyppy12345” and a section for payment limits.

Collect repayments on time, every time

Remove manual follow-ups and high collection costs. Automate borrower repayments for a seamless experience—no hassle, no admin burden.

  • Variable Recurring Payments

    VRP enables users to authenticate only once and then make future payments automatic with no additional approvals needed. Secure, efficient, and stress-free.

    Mobile screen displaying a Plaid interface for setting up regular payments from an N26 bank account to Zyppy Loans, with a reference ID “Zyppy12345” and a section for payment limits.

  • Unlock real-time cash flow data in as little as 10 seconds.

  • Unlock 12k institutions across the UK, Europe and North America.

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