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Permissioned open-banking cash-flow corpus normalized into lending features: 1,000+ raw open-banking attributes across income, spending and payment behaviour, mapped into 7,000+ standardized lending attributes — including derived markers for recurring BNPL installment obligations and multi-provider stacking that never surface on a traditional credit bureau file. Each record is consumer-consented bank-transaction data passed through a proprietary normalization and merchant/obligation-classification layer.

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Brickroad customers

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Coverage

Universe, instruments and categories.

Industry: Consumer FinanceFinancial Exchanges & Data
Instruments: equitiesfixed_income
Categories

Dataset card

Type: not stated
Format: Tabular — transaction-level cash-flow records plus a wide standardized feature table, served through a decisioning API
Volume: est. 7,000 features per consumer record across a consented cohort likely in the high six to low seven figures cumulative — a multi-year transaction history per consented consumer (commonly up to 24 months of bank data per pull), so tens to hundreds of billions of normalized transaction observations. The 1,000-to-7,000 attribute expansion ratio is itself the volume and value driver.
Users: est. 100-500 lending institutions and channel partners consuming the decisioning feed (inferred from ~200 staff supporting an enterprise API product in cash-flow underwriting, a consolidating vendor category); consumer-side consented end-users are far larger in count but are data subjects rather than users of the vendor
History: 10 years
Update frequency: not stated
Growth: Active — publishing current thought-leadership on BNPL stacking, riding an intensifying regulatory push on BNPL reporting, and operating in a category undergoing rapid consolidation and capability expansion
Launched: ~2015-2018 for the cash-flow underwriting platform (organizational record created August 2020; the company's open-banking decisioning predates that record and the category emerged in that window)
Delivery: not stated
Entity mapping: not stated
Sample: not stated
Point-in-time: not stated
Licence: not stated

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