Consumer bank-account cash-flow data for credit underwriting

Name: Consumer bank-account cash-flow data for credit underwriting: transaction-level deposit-account histories enriched into derived income verification, merchant/expense category classifications, and a proprietary cash-flow score (CashScore), plus a rent-payment and recurring-obligation signal layer; delivered via API for CRA (FCRA-regulated) and non-CRA underwriting use cases
Creator: Prism Data

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Consumer bank-account cash-flow data for credit underwriting: transaction-level deposit-account histories enriched into derived income verification, merchant/expense category classifications, and a proprietary cash-flow score (CashScore), plus a rent-payment and recurring-obligation signal layer; delivered via API for CRA (FCRA-regulated) and non-CRA underwriting use cases

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Sample

Brickroad customers

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Coverage

Universe, instruments and categories.

Industry: Financial Exchanges & DataConsumer Finance
Instruments: equitiesfixed_income
Categories

Dataset card

Type: not stated
Format: Tabular transaction records + JSON API responses (documented REST endpoints) with derived categorical features
Volume: Large relative to firm size: every connected deposit account yields a multi-year ledger of transactions. At ~1M authorizations × ~24 months × ~150 transactions/month the transaction corpus is on the order of 3-4 billion rows; the derived layer (income, category, score) is ~1M consumer-level feature records per authorization cohort
Users: N/A — B2B2C data API: consumers authorize a one-time account connection per lending application rather than registering accounts with the data provider; the customer base is lenders, not end users
History: 10 years
Update frequency: not stated
Growth: Active — careers page is flagged 'Hiring', compliance/thought-leadership content is current, and the product suite has expanded from a score into four named products
Launched: not stated
Delivery: not stated
Entity mapping: not stated
Sample: not stated
Point-in-time: not stated
Licence: not stated

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