Atlas (atlasfin.com)

ATLAS (ATLASFIN.COM)A5 · direct accessManage supplier listing

Consumer-permissioned real-time cash-flow and credit-behaviour network built on open banking: aggregated deposit-account inflow/outflow, paycheck timing and reliability, card spend by merchant and category, and revolving-credit utilisation across 10M+ US consumer accounts. Ships both as a live per-consumer underwriting signal and as an aggregate behavioural layer (the quarterly Consumer Health Index — three separate pillar scores for inflation pressure, income and liquidity on a 0-100 scale with a rolling two-year baseline).

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Coverage

Universe, instruments and categories.

Industry: Consumer FinanceFinancial Exchanges & DataData Processing & Outsourced Services
Instruments: equitiesfixed_income
Categories: AlternativeSentimentFundamental
Regions: US
Sample tickers: COFDFSSYFUPSTSOFIPYPLTGTWMT

Dataset card

Type: not stated
Format: Tabular event-level records (account inflow/outflow, paycheck events, merchant-categorised card spend, utilisation snapshots) exposed through an API/insight-call surface for lenders and fintechs; aggregate layer delivered as quarterly index series and chart-ready category tables
Volume: Very large and continuous: 10M+ accounts generating daily deposit inflows/outflows, card authorisations and credit-balance snapshots implies on the order of 1-3 billion account events per month, plus merchant/category attribution on every card record. The published aggregate layer is comparatively small (three index series plus category tables per quarter) — the value is the event stream underneath it.
Users: 10M+ US consumer accounts in the permissioned network, stated twice on the index page ("10M+ consumer accounts", "10+ million accounts"). Paying institutional consumers are a separate, undisclosed set of lenders and fintechs reached through the Atlas platform and the Pave partnership.
History: 4 years
Update frequency: not stated
Growth: Active — the index is on a current quarterly publication cadence with data through the most recent quarter-end, a live partnership with an AI-native credit-risk analytics vendor (Pave) behind the current edition, and a continuously-refreshed rather than archived positioning.
Launched: ~2022-2023 (inferred: enrichment data places the organisation's record in mid-2022 at ~120 employees with $7.2M raised, and the index's own baseline is described as a rolling two-year window with a January 2025 payroll baseline — consistent with a platform that reached production scale in 2022-23 rather than earlier)
Delivery: not stated
Entity mapping: not stated
Sample: not stated
Point-in-time: not stated
Licence: not stated

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