Finicity
An account-data vendor covering asset, employment and income verification from bank and payroll connections.
Finicity connects to a borrower's own accounts with the borrower's consent and returns transaction and payroll history. One connection answers three questions that are separate products — what the borrower holds, who pays them, and how much — so the vendor appears in three orderings rather than one.
It sits second in the committed asset ordering and mid-table in employment and income. Each vertical is its own integration with its own connection and language configuration; they share the vendor and nothing else.
Products it serves
Position in the ordering
- Employment MeridianArgyleAtomicWageFinicityExperianPinwheelCitadelEquifaxTrueworkInstantTruework
- Income ArgyleAtomicEquifaxExperianFinicityMeridianPinwheelPlaidTrueworkTruework-Instant
- Asset EquifaxFinicityPlaid
How this integration is built
- connection configuration
- The wire protocol. One repository per vendor API call, not per vendor.
- language configuration
- The field mapping between the vendor's vocabulary and the canonical model.
- flow file
- The four-way translation: canonical request, vendor request, vendor response, canonical response.
- waterfall priority
- One line naming where this vendor sits in the vertical's ordering.
- status call
- Activating the vendor for a lender, optionally with the lender's own credentials.
Evidence
This vendor is on the roster because each of the following resolves to a committed artifact.
StaircaseAPI/asset-product-data product/data/waterfall/waterfall.json waterfallStaircaseAPI/employment-product-product-data product/data/waterfall.json waterfallStaircaseAPI/income-pp-data product/data/waterfall/waterfall.json waterfallasset-product-data product/data/flows/finicity.jsonemployment-pp-data product/data/flows/Finicity.jsonincome-pp-data product/data/flows/finicity.json