# Method Financial — Full Site Content > Method is the infrastructure layer for consumer liability data and payments. > This file contains the full marketing site content for AI agent consumption. > For a quick overview, see: https://methodfi.com/llms.txt > For API documentation, see: https://docs.methodfi.com/llms.txt > For complete API docs content: https://docs.methodfi.com/llms-full.txt # Homepage Source: https://methodfi.com/ # The future of financial account connectivity Method provides connectivity to consumer credit and liability accounts with embedded payments, enabling end-to-end lending experiences, real-time account data intelligence, and one-click checkout. [Book a demo](./book-a-demo) Total balance, $19,832, 4 Accounts, Phone: +1 (125) 347-8902, Name: Sophia Park, Auto loan, Amount due, $1,876, Credit card, Amount due, $2,000, Credit card, Amount due, $200, Mortgage, Amount due, $19,827, CONNECT ## Instantly connect financial accounts with a single auth Link your users’ credit and liability accounts utilizing multi-factor authentication—no login credentials required. Personal Information Enter your legal name and phone number. Full name, Phone number, (000) 000-0000, Continue, Passing data to Method, Data passed, The person identified, Fetching liabilities, Liabilites found ### One Auth Verify and connect your user’s **credit and liability accounts** across 10,000+ FIs with just their phone. ### Stable connectivity Access **up-to-date information** with **evergreen connections** across all types of liability accounts. ### Reduce security overhead Never collect **sensitive credentials or account** **information** with Method handling data security and privacy compliance. DATA ## Up-to-date data, directly from the source Credit Report data is no longer the standard. We connect you directly to every system of record for a real-time view of your users' financial accounts. Jose purchases a United ticket Sophia purchased a chai latte Marco's credit card balance changes Devan orders a new credit card Justin opens a new student loan Sophia connects all her liabilities Credit Bureaus, Card Networks, 3rd Parties, Public Records, Financial Institutions ### Complete Coverage Access **every financial account **including student loans, credit cards, personal loans, auto loans, and more **with a single auth**. ### Comprehensive, Real-Time Data Retrieve **up-to-date information** including balances, transactions, due dates, payoff quotes, credit limit, APR ranges, and more. ### Instant Alerts and Attributes Receive **push notifications** for balance changes, new accounts, delinquency, and **300+ other data points.** PAY ## Embed liability and bill payment into your experience Initiate payments to every financial institution and biller in the US—no manual account numbers, payoff amounts, or instructions required. Real-time payment settlement, reduced compliance hurdles, and instant payment confirmations. Balance Transfer Enable users to refinance or consolidate debt by transferring balances across FIs. Loan Payoff Empower users to clear balances on student, auto, personal loans, and more. Bill Pay Manage payments on common recurring bills like credit cards, student loans, and mortgages. Happy Money increased coverage to 97% by switching to Method Read case study Banks ## With Method’s real-time account connectivity, SoFi users can now pay-off their personal loans at other FIs during loan origination. [Learn more](./solutions/banks) Products, Connect, Data, Pay, 160 financial instutitions eligible to receive payoffs Checkout & Loyalty ## Bilt uses Method to instantly link users' existing cards, allowing them to earn rewards on rent, dining, travel and more. [Learn more](./solutions/loyalty-and-rewards) Products Instant Link 500K+ cards linked to earn rewards Consumer Lending ## Aven leverages Method’s real-time liability account connectivity to embed balance transfers within its application. [Learn more](./solutions/consumer-lenders) Products, Connect, Data, Pay, 25% increase in utilization enabled by balance transfer Consumer Lending ## Happy Money uses Method to provide members with a seamless card payoff experience during personal loan origination. [Learn more](./solutions/consumer-lenders) Products, Connect, Data, Pay, 96% coverage for same day payment execution Personal Finance ## Cleo uses Method’s real-time connectivity to power its AI assistant and debt dashboard, giving users a live view of liabilities and faster repayment. [Learn more](./solutions/employer-benefits) Products, Connect, Data, 60% Eligible users engaged with Debt Reset week 1. ## A powerful view for your entire team Get started instantly with a dashboard that unlocks the full power of our API for your team—onboard users, pay off balances, reconcile accounts, and more. Robust access control No-code API access Extensive reporting ## Method in the news Method is making headlines. Read about our latest achievements, news features, and industry insights. [Newsroom Announcing Method’s $42M Series B led by Emergence Capital Method has raised a $42 million Series B led by Emergence Capital with participation from](https://methodfi.com/blog/series-b) [Company Update Method for Commerce: One Connection for the Full Wallet Companies spend billions of dollars to reduce friction and increase conversion, yet card connection is a frontier that’s hardly been touched, until now.](https://methodfi.com/blog/method-for-commerce-one-connection-for-the-full-wallet) ## Embed financial account connectivity in weeks, not months Offer the right financial products and design engaging experiences while we take care of the evolving connectivity infrastructure. [Book a demo](./book-a-demo) # Connect Source: https://methodfi.com/products/connect Connect # A Single Auth for Consumer Credit and Liability Accounts Consent and liability data in seconds. None of the hassle. Redefined connectivity. [Book a demo](../book-a-demo) CONNECT ## Method Connect is the only way to connect multiple liability and credit accounts with a single Auth, no credentials needed. Unlock real-time data, direct payments, and wallet connectivity across accounts through the easiest user experience in market. Create authenticated profiles Invite users to enter their name, phone number, and other details. Method verifies their identity and can even handle KYC. ## Access all user tradelines Connect to a user's entire credit footprint from FI’s, banking cores, card networks and more. See real-time details for mortgages, student, auto, personal loans, and credit cards. Rest easy, since connections never break Pull liability data on-demand or refresh it on an ongoing basis. With Method, connections are evergreen, meaning there’s no need to re-authenticate users. ## Credential-free authentication Authenticate users with just their name, phone, and consent. One API delivers access to thousands of financial institutions. Connect all liabilities without credentials Gather all liabilities under your users’ names instantly without needing their passwords, just consent. ## Maintain evergreen connections Create a single connection to all liabilities that never breaks or expires unless revoked. ## Reduce security overhead Never collect sensitive credentials or account information. Method handles data security and privacy compliance for you. ### Fraud prevention Real-time identity verification across 200+ data connections ### Streamline security management Stay out of PCI scope with encrypted card details ### Assurance Rely on Method’s SOC 2 Type II compliant environment ## Powering direct card payoff Happy Money relied on Method’s liability connectivity APIs to power Direct Card Payoff™, which connects consumers to capital sourced from credit unions. Since inception, Happy Money has helped over 300,000 members access more than $6 billion in loans. [Read story](../customers/happy-money) ## Identify outstanding loan balances SoFi leveraged Method’s connections to identify outstanding loan balances at the vast majority of U.S. banks. That helped transform SoFi's loan origination process and saved the expense of building a proprietary refinancing infrastructure and managing complex regulatory compliance requirements. [Read story](../customers/sofi) ## Transforming card enrollment and checkout experiences Bilt, a pioneer in rental rewards, used Method Card Connect to transform its card enrollment and checkout experience. The integration allowed members to quickly link credit cards and earn rewards. This increased card enrollment rates by 148% and boosted the number of cards connected by nearly 250%. This success led to an 83% increase in neighborhood merchant spend, creating more earning opportunities for members. [Read story](../customers/bilt) Learn more ## Learn about Method Data and Method Pay [Data](./data) [Pay](../) # Data Source: https://methodfi.com/products/data Data # Real-time liability data with a single auth With just a single auth, Method delivers data across 15,000+ financial institutions and systems of record — powering smarter credit decisions, personalized digital experiences, checkout experiences and real-time payment flows. [Book a demo](../book-a-demo) ## Liability data Power any experience with real-time balances, payment due dates, credit limits, interest rates and more. ## Card data See card details and branded card art—the network, co-brand name, and short and long name to power checkout and rewards experiences. ## Property data Gather insights on home values and estimated equity holdings, plus vehicle data like VIN, make, and model. ## Transaction data Get push-access to near-real-time transaction data including merchant, time of purchase, and amount. ## Attributes data Only Method offers proprietary behavioral and risk indicators that flag risks like credit stacking in real time ## Thousands of sources / systems of records. One API integration. Identify all liability accounts and enable read-write capabilities. Retrieve real-time balances, enable payments and see enhanced data in one convenient place. ### Unmatched depth Gain enriched liability insights with Method’s broad network of systems of records linking to real-time account data, providing 55+ data points per account type such as balances, APR ranges, due dates, payment status, credit limit etc. to build engaging and novel experiences. ### Instant data, always fresh Up-to-the-minute borrower liability data from 5,000+ systems of records, all supported by one API. ### Real-time signals Get instant alerts when borrowers pay down debt, max out cards, or show early risk signals so you can act on opportunities and problems as they happen, not weeks later. ### Comprehensive coverage Access real-time data across 15,000+ financial institutions, from the biggest banks to regional credit unions. Our comprehensive network includes 12 of the top 13 credit card issuers and covers 91% of US credit card volume. ## Fueling easy-to-use budgeting and expense tracking Vola uses Method Data to fuel easy-to-use budgeting and expense tracking tools. Vola users can predict potential cash shortfalls and manage debt obligations before they arise. [Read story](../customers/vola) ## Making more informed underwriting decisions Flexcar uses Method Data to stream real-time financial data and make more informed underwriting decisions. This helped to increase approved applicants by 14% without raising default rates and reduced bad loan outcomes by nearly 20%. [Read story](../customers/flexcar) ## Empowering credit unions to deliver precise information to members Clutch integrated Method Data to empower credit unions to segment customers and deliver precise, pre-qualified loan offers to members. [Read story](../customers/clutch) ## Data is just the start. ### Increased engagement Build features powered by reliable connectivity. Spot utilization changes, flag payments due, and personalize paydown plans. Rich data layers like card brand visuals and transaction alerts lift CTRs by 8x. ### New revenue opportunities Unlock cross-selling and upselling with real-time data that lets you personalize offerings and increase conversions. ### Reduced risk Detect emerging risks with attributes like credit stacking flags and pre-delinquency warning signs before they appear on credit reports. Let's chat ## Schedule a demo [Book time](../book-a-demo) [Email us](https://hello@methodfi.com) # Pay Source: https://methodfi.com/products/pay Pay # Build direct debt payments into your product With just a single authentication, Method Pay facilitates real-time liability payments to over 15,000 financial institutions with electronic validation and confirmation. [Book a demo](../book-a-demo) ## Loan payoff Real-time payoff data plus direct payments to personal and student loans means expanded repayment options for the consumer, less risk of default and smoother operations. ## Bill pay Boost engagement and deposits by allowing users to connect and paying any bill instantly with consent. ## Balance transfer Increase lending and speed up usage with simple balance transfers to any U.S. credit card. ## Go live with instant payments and repayment functionality in weeks, not months. TRANSPARENCY ### Payment intelligence Ensure full visibility in every payment. Every transfer is tracked from pending to posted with transaction-level reconciliation. SPEED ### Faster funding Access best-in-class payment and processing times for faster payoff confirmation, more accurate cash flow management, and efficient resells. CONTROL ### Keep your workflow Execute direct-to-creditor payments using your existing ACH rails, banking relationships, and third parties. ## We’ve built it for you. ### Streamlined money movement Method handles PCI compliance and regulatory requirements across all payment rails. Use [Payment Instruments](https://docs.methodfi.com/2025-12-01/reference/accounts/payment-instruments/overview) to keep your workflow and compliance. ### Established bank partnerships Method maintains direct relationships with 15,000+ financial institutions. ### Enabled easy integration Method enables most customers to go live in a month through intuitive APIs and documentation. ## Increase Coverage of Same Day Payment Happy Money used Method Pay to increase their coverage of same day payment execution from \~50% to \~96%. [Read story](../customers/happy-money) ## Building a personal loan refinancing program SoFi used Method Pay to quickly build a personal loan refinancing program. Now SoFI can offer 100% of eligible personal loan borrowers a seamless refinance experience. [Read story](../customers/sofi) ## Increasing the Speed of Loan Utilization Figure uses Method Pay to approve more HELOC borrowers and increase the speed of loan utilization. [Read story](../customers/figure) Let's chat ## Schedule a demo [Book time](../book-a-demo) [Email us](https://hello@methodfi.com) # Consumer Lenders Source: https://methodfi.com/solutions/consumer-lenders Method for Consumer Lenders # Reimagine lending with seamless connectivity Leverage real-time connectivity to create better offers, reduce credit risk, and optimize operations. [Book a demo](../book-a-demo) ## Reach more borrowers with personalized offers Provide personalized offers with real-time data points such as balances, credit limits, and APR ranges. Increase eligibility with repayment certainty on existing liabilities. SoFi uses Method for loan payoff ## Embed direct pay experiences and reduce credit risk Enable users to pay off high interest rate debt using loan proceeds directly from within the application flow with embedded direct pay and balance transfer. PenFed uses Method to consolidate liabilities into a new PenFed loan ## Improve payment operations Empower payment ops with up-to-date account and payment settlement details, reducing operational overhead. Happy Money increased coverage to 96% by switching to Method Read case study #### With Method’s connectivity, Figure is able to qualify borrowers for more offers We can more easily and accurately identify our borrowers’ high-interest debt and streamline their paths to debt consolidation and payoff. Adding these features to our HELOC creates a more seamless solution in improving our borrowers’ financial health and helping them achieve their liquidity goals. Barron Ernst Head of Product #### Aven users can now access their home equity in minutes Method’s APIs enable a user experience better by leaps and bounds than the incumbent processes for embedded balance transfer and digital engagement. Josh Meyer Head of Finance #### Vola users can now access powerful, real-time personal finance and credit-building advice Leveraging Method’s real-time data capabilities, Vola is able to help users meet their loan obligations and improve their Credit Scores. With Method, we can give users critical financial insights, such as upcoming payment amounts and their true annual cost of borrowing. Tushar Bagamane CEO ## Personalized lending and savings made frictionless Access all liabilities with a single connection—with users' PII and consent. Say goodbye to manual, credential-based account linking. ### Insights Access all liabilities with a single connection and build experiences with uninterrupted connectivity. The result? Targeted offerings and higher engagement. ### Prequalification With a borrower's full financial picture, prequalify and provide just in time offers with real-time liability data—balances, APR ranges, credit limits, payoff quotes, and more. ### Direct pay, Balance transfers & Loan payoffs Send funds instantly to any consumer liability and get that real-time payment confirmation—no payoff details needed. ## Transform your lending experience [Resources for Consumer Lenders](../resources/all) [Consumer Lending Aven Transforms Home Equity Access with Instant Balance Transfers Aven Scales Balance Transfers with Method: 25% Higher Utilization, Millions In Interest Saved](../customers/aven-transforms-home-equity-access-with-instant-balance-transfers) [Consumer Lending SoFi Scales Direct Pay with Method: $1B+ in Loan Payoffs SoFi integrated Method’s APIs to launch Direct Pay for personal loans, automating debt consolidation across 15,000+ institutions with real-time status tracking.](../customers/sofi) ## Embed financial connectivity in weeks, not months Offer the right financial products and design engaging experiences while we take care of the evolving connectivity infrastructure. [Book a demo](../book-a-demo) # Personal Finance Source: https://methodfi.com/solutions/personal-finance Method for Personal Finance # Reimagine experiences with uninterrupted connectivity Leverage seamless connectivity to empower users, drive change, and embed bill payment. [Book a demo](../book-a-demo) ## Frictionless financial management Empower users to access all liability accounts with a single connection, providing an up-to-date financial picture—within seconds. ## Accelerate consumers' financial wellness Empower users to improve their financial habits with personalized insights, driven by uninterrupted connectivity. Enable users to take actions to improve credit score, save on interest and fees, and much more. ## Keep bill payment within your ecosystem Embed bill management and enable users to pay bills from your app. We provide fully managed electronic money movement and keep you out of the flow of funds. #### Budge built a unique action-oriented debt ecosystem with Method Other finance management applications have been able to consolidate users’ account information by collecting all their credentials. But with Method, Budge was able to onboard users’ real-time balance and APR data with only their consent. Yan Avery Co-Founder & CTO #### Sequence has built the first of its kind finance router leveraging Method’s connectivity Method’s APIs show users their real-time debt balances and enable automated payments, which they set using Sequence’s smart routing rules. Gilad Uziely CEO ## Personalized engagement made frictionless Access all liabilities with a single connection—with users' PII and consent. Say goodbye to manual, credential-based account linking. ### Insights Access all liabilities with a single connection and build experiences with uninterrupted connectivity. The result? Actionable insights and higher engagement. ### Prequalification With a borrower's full financial picture, prequalify and provide just in time offers with real-time liability data—balances, APR ranges, credit limits, payoff quotes, and more. ### Bill Management Send funds instantly to any consumer liability and get that real-time payment confirmation—no payoff details needed. Embedded bill management driven by user clicks. ## Personal finance, simplified [Resources for PFM](../resources/all) [Personal Finance Launching Automatic Debt Payoff: What Ditch Built with Method How Ditch, a leading fintech, built a set-and-forget repayment experience with Method](../customers/ditch) [Personal Finance Launching Debt Reset: What Cleo Built With Method How a fast‑growing PFM turned Method’s real‑time liability data into a debt payoff engine](../customers/cleo) ## Embed financial connectivity in weeks, not months Offer the right financial products and design engaging experiences while we take care of the evolving connectivity infrastructure. [Book a demo](../book-a-demo) # Banks Source: https://methodfi.com/solutions/banks Method for Banks # Power new banking experiences Method’s real-time connectivity helps you deliver personalized lending offers, reduce credit risk, and streamline payment operations. [Book a demo](../book-a-demo) ## Embed direct pay experiences and reduce credit risk Allow users to pay off high-interest debt across thousands of FIs within your digital flows. Drive faster credit utilization and reduce credit risk. SoFi uses Method for loan payoff ## Accelerate consumers' financial wellness With uninterrupted connectivity, provide recommendations that keep you top of mind. Monitor your user’s credit portfolio in real-time for offer eligibility and personalized engagement. Aven uses Method to provide complete financial advice ## Reach more borrowers with personalized offers Provide personalized offers with real-time connectivity for key data points such as balances, credit limits, and APR ranges. Increase eligibility with repayment certainty on existing liabilities. Method powers Intellidebt, a direct debt payoff tool by Figure #### With Method’s connectivity, Figure is able to qualify borrowers for more offers We can more easily and accurately identify our borrowers’ high-interest debt and streamline their paths to debt consolidation and payoff. Adding these features to our HELOC creates a more seamless solution in improving our borrowers’ financial health and helping them achieve their liquidity goals. Barron Ernst Head of Product #### SoFi users can effortlessly pay-off their personal loans at other FIs Our partnership with Method has allowed SoFi to elevate the refinance experience for consumers. SoFi can now seamlessly identify outstanding loans and enable users to apply funds directly toward their debts—providing a streamlined debt consolidation process and peace of mind. Omri Ofir Product Lead ## Personalized banking made frictionless Access all liabilities with a single connection—with users' PII and consent. Say goodbye to manual, credential-based account linking. ## Insights Access all liabilities with a single connection and build experiences with uninterrupted connectivity. The result? Competitive offerings and higher engagement. ## Prequalification With a borrower's full financial picture, prequalify and provide just in time offers with real-time liability data—balances, APR ranges, credit limits, payoff quotes, and more. ## Payments Simplified direct pay, balance transfer, bill management and loan payoffs. Send funds instantly to any consumer liability and get real-time payment confirmation—no payoff details needed. ## Enabling smarter financial solutions [Resources for Banks](../resources/all) [Consumer Lending Aven Transforms Home Equity Access with Instant Balance Transfers Aven Scales Balance Transfers with Method: 25% Higher Utilization, Millions In Interest Saved](../customers/aven-transforms-home-equity-access-with-instant-balance-transfers) [Personal Finance Launching Automatic Debt Payoff: What Ditch Built with Method How Ditch, a leading fintech, built a set-and-forget repayment experience with Method](../customers/ditch) ## Embed financial connectivity in weeks, not months Offer the right financial products and design engaging experiences while we take care of the evolving connectivity infrastructure. [Book a demo](../book-a-demo) # Credit Unions Source: https://methodfi.com/solutions/credit-unions Method for Credit Unions # Power personalized member experiences Method's financial account connectivity helps members save with tailored lending offers and seamless repayment connectivity. [Book a demo](../book-a-demo) ## Spearhead the industry’s digital transformation Leverage credential-less connectivity and intelligence to power competitive lending offers. Expand eligibility and help members pay less in interest. PenFed uses Method to consolidate liabilities into a new PenFed loan ## Increase conversions with precision marketing Speak directly to member needs with real-time liability insights such as real-time balances, credit limits, and other key data. Increase cross-sell and up-sell conversions with just in time offers. Clutch uses Method to help credit unions cross-sell new opportunities Read case study ## Help members save with embedded repayment Allow members to pay off high-interest debt across thousands of FIs by incorporating direct pay infrastructure into your flow. Reduce manual errors and operational overhead. Happy Money increased coverage to 97% by switching to Method Read case study #### A Happier Way of Lending Method allows for near real-time payment status, whereas alternatives provide balances that could be up to 30 days out of date. Implementing Method’s APIs enhanced the experience for our members and visibility for our agents. Nick Pesce Head of Product & Design #### Method is enabling growth across the credit union lending business Partnering with Method provides a detailed and real-time view of individual consumer debt, which allows Credit Unions to better identify cross-sell and consolidation opportunities. Clients are already seeing a lift in refinance applications. Nicholas Hinrichsen CEO ## Next generation connectivity for deeper member experience Access all liabilities with a single connection—with users' PII and consent. Say goodbye to manual, credential-based account linking. ### Insights Access all liabilities with a single connection and build experiences with uninterrupted connectivity. The result? Higher engagement and financially healthier members. ### Prequalification With a borrower's full financial picture, prequalify and provide just in time offers with real-time liability data—balances, APR ranges, credit limits, payoff quotes, and more. ### Direct Pay & Balance Transfer Send funds instantly to any consumer liability and get real-time payment confirmation—no payoff details needed. Allow members to pay off high-interest and improve financial health. ## Empowering credit unions and members [Resources for Credit Unions](../resources/all) [Credit Unions A Happier Way of Lending Happy Money is designing a happier way of lending that helps borrowers achieve their goals and helps credit unions achieve greater impact.](../customers/happy-money) [Credit Unions Driving Cross-sell Opportunities for Credit Unions Clutch helps credit unions cross-sell loan products to members with Method’s real-time balance transfer API](../customers/clutch) ## Embed financial connectivity in weeks, not months Offer the right financial products and design engaging experiences while we take care of the evolving connectivity infrastructure. [Book a demo](../book-a-demo) # Auto Lenders Source: https://methodfi.com/solutions/auto-lenders Method for Auto Lenders # Drive new experiences and streamline refinance operations Method's financial account connectivity helps deliver novel vehicle equity backed experiences, enable vehicle ownership, and streamline payoff operations. [Book a demo](../book-a-demo) ## Better qualify borrowers with real-time loan details Leverage credential-less connectivity to retrieve real-time data points such as VINs, vehicle equity, payoff quotes, and other key data across auto-loans. ## Power novel vehicle equity backed experiences Incorporate direct pay and balance transfer infrastructure into your flow and let users tap vehicle equity to pay off high-interest debt. Method helps Yendo launch the first credit card back by vehicle equity ## Enhance the underwriting process Access real-time view on all liabilities with a single connection and make a more accurate assessment of risk to present the most competitive offer. #### Method is enabling rescue of qualified Flexcar applicants Method provides an excellent partnership that allows us to give the best outcome to our customers. The team is highly responsive and disciplined on data quality and compliance, a great fit for any customer data needs. Michael Zambrano VP of Risk #### Method has reduced Exeter's refinance processing from weeks to days Method enables us to quickly access accurate and real-time auto loan payoff data, which has significantly reduced the time taken to provide our customers with attractive refinancing offers. Partnering with Method has helped us improve our customer refinance experience. Jerad Brown Senior VP of Loan Originations ## Auto-refi experiences made frictionless Access all liabilities with a single connection—with users' PII and consent. Say goodbye to manual, credential-based account linking. ### Insights Personalize your user experience with real-time borrower insights from multiple systems of records. The result? Seamless application experience and increased conversion. ### Reconsideration With a borrower's full real-time financial picture, rescue qualified applicants and expand vehicle ownership. ### Payoff Quotes Retrieve payoff quotes for lien release and send funds instantly to any consumer liability—no payoff details needed. ## Drive vehicle ownership [Resources for Auto Lenders](../resources/all) [Auto Lenders Expanded Eligibility for Flexible Car Leases Flexcar partners with Method to better assess applications using enriched, real-time financial data, enabling Flexcar to "rescue" qualified applicants who might otherwise be denied.](../customers/flexcar) ## Embed financial connectivity in weeks, not months Offer the right financial products and design engaging experiences while we take care of the evolving connectivity infrastructure. [Book a demo](../book-a-demo) # Card Connect Source: https://methodfi.com/solutions/card-connect Method for Commerce # One connection for the full wallet Method gives merchants a direct connection to the full consumer wallet so you can enroll cards instantly, stop fraud before it happens, and unlock loyalty across every dollar your customers spend. 70%, of consumers, abandon carts, $28B+ lost to card-not-present fraud 4+ credit cards held by consumers in the U.S. [Book a demo](../book-a-demo) LESS FRICTION ## Fast track checkout New users and returning customers get the same VIP buying experience. With Method, platforms can surface a shopper's full wallet using just their name and phone number. Fewer abandoned carts, more repeat buyers. Bilt enrolled 3+ million members this way and saw a 148% increase in card enrollment. LESS FRAUD ## Verify card ownership with identity Card-not-present fraud is a huge problem, but over correcting with outdated controls is just as costly. Method uses identity-based credentials to verify card ownership* *pre-authorization, reducing chargebacks and false declines while increasing auth rates for real customers. Learn how Method is reducing fraud in Commerce [here.](https://methodfi.com/blog/how-method-is-reducing-fraud-in-commerce) MORE VALUE ## Power loyalty with wallet intelligence **Loyalty** platforms can reward every dollar spent, regardless of the card a user chooses. **Partnership** platforms can surface offers customers didn't know they qualified for and activate them instantly. Bilt saw 83% more neighborhood merchant spend per user and 32% increase in spend per card. ## How it works Connect → Verify → Optimize ## Why Method for Commerce outperforms every alternative Connecting, protecting, and optimizing payments across the entire customer journey in one API. ### Direct card network Access 82% of US credit cards through direct connections, capturing the full consumer wallet with verified ownership and fresher data. ### Maintain updated wallets New and replacement cards update automatically. Eliminate failed payments with real-time balance checks and automatic backup switching. ### Full control Keep your UI (or use ours), data, and customer relationships under your brand, no third-party wallets. ### Ship faster Clear API docs helped **Bilt **go from concept to production in just 4 weeks. **Sezzle** used [Method’s Opal:](https://methodfi.com/blog/introducing-opal) an out-of-the-box, embeddable, customizable, modular UI. #### Bilt uses Method to effortlessly link user’s credit cards Bilt users can now effortlessly link their existing credit cards with Method, allowing them to earn rewards on rent, dining, travel, and more. We’re thrilled to provide seamless opportunities for our users to earn rewards on their everyday purchases. Ankur Jain CEO ## Designed for scale, trusted for connectivity Method provides developers an effortless way to get real-time data and payment access to user liability accounts. 40M+, end-users for checkout, 110M+, tokens created, $800M+, in payments processed, 148% increase in card-linking conversion ## Ready to eliminate payment friction? See how Card Connect can boost your conversion rates and reduce payment failures [Book a demo](../book-a-demo) # Loyalty & Rewards Source: https://methodfi.com/solutions/loyalty-and-rewards Method for Loyalty & Rewards # Reimagine your loyalty and rewards programs Leverage effortless connectivity into your loyalty or rewards experience. [Book a demo](../book-a-demo) ## Effortlessly link cards with phone number Connect your users' entire credit card wallet to your app in seconds—no PAN entry, no delays. Build frictionless checkout experience and loyalty programs with more cards on file. Bilt uses Method to connect users' entire wallets to the app Learn more ## Seamlessly reward users across your merchant network Monitor transactions in real-time and see spend across channels. With full wallet visibility, reward users in real-time across multiple cards. ## Enable new redemption avenues Empower users with the ability to use accrued points as a means of paying outstanding bills and debt. Seamlessly embed bill repayment and provide more avenues to redeem points. #### Bilt uses Method to effortlessly link user’s credit cards Bilt users can now effortlessly link their existing credit cards with Method, allowing them to earn rewards on rent, dining, travel, and more. We’re thrilled to provide seamless opportunities for our users to earn rewards on their everyday purchases. Ankur Jain CEO ## Checkout and rewards made effortless Access all cards with a single connection—connect with their PII and consent. Say goodbye to manual, credential-based account linking. ### Checkout Remove friction at checkout with a card linked in seconds—retrieve tokens for secure payment processing and reuse. The result? Reduce cart abandonment and increase optionality to pay. ### Loyalty & Rewards Link multiple cards with a single connection and monitor transactions in real-time and see spend across channels. The result? More rewards and drive stickiness. ### Payments Send funds instantly to any consumer bill or debt—no payoff details needed. Seamlessly embedded bill management and stay out of the flow of funds. ## More rewards, right this way [Resources for Checkout & Loyalty](../resources/all) [Loyalty & Rewards Bilt Increases Card Enrollment by 148% with Method Card Connect Bilt partnered with Method to simplify card enrollment and checkout process while significantly increasing member engagement and rewards earned.](../customers/bilt) ## Embed financial connectivity in weeks, not months Offer the right financial products and design engaging experiences while we take care of the evolving connectivity infrastructure. [Book a demo](../book-a-demo) # User Engagement Source: https://methodfi.com/solutions/user-engagement Method for User Engagement # Build apps users stick with Method replaces manual account linking with instant, reliable connectivity. Access real-time liability data across every financial account. Activate users in seconds, keep them engaged, and unlock embedded payment revenue. [Book a demo](../book-a-demo) ACTIVATE ## Frictionless onboarding Users connect all their liabilities with just name and phone. Your app instantly populates with continuously updated financial data – delivering value from day one. Cleo uses Method to identify all the open debts a user has Read case study ENGAGE ## Keep insights fresh Reliable connectivity enables timely, relevant insights. Spot utilization changes, flag payments due, and personalize paydown plans. Rich data layers like card brand visuals and transaction alerts lift CTRs by 8x. Bilt Rewards uses Method to display accurate card & rewards details Read case study RETAIN ## Turn action into habits Enable bill pay directly in your app. With financial information updating in real-time, users see progress that keeps them coming back. 💡*65% of bill pay users return month after month with 3× higher retention * Source: Internal financial analysis of 27M+ liability records, 2025. Ditch uses Method's pay rails for round-ups to engage + retain users MONETIZE ## Make engagement pay off Drive monetization through new revenue streams and your existing product. **Primary account deposits**: Drive recurring revenue from bill pay fees, card interchange, and net-interest income **Contextual offers**: Surface refinancing for high APRs, nudge balance paydowns at high utilization, or recommend credit building tied to spending behavior **Premium features**: Unlock paid experiences like **AI-driven insights** built on real-time financial connectivity, automated payoff plans, and progress tracking toward your goals. ## What leaders are building with Method With Method’s composable API you can build financial experiences that drive engagement and unlock revenue. ### Personalized Offers & Attribution Trigger contextual offers when users are most likely to act—balance transfers, refinancing, or credit builders—with clear attribution back to your app. ### Bill Pay Management Hub Recurring payments anchor your app as the primary account. Engagement compounds, churn drops, and revenue grows. ### Unified Debt Dashboards Show users every liability in one trusted view. Build a foundation for payoff journeys and true net-worth. ### Budget & Expense Management Go beyond tracking transactions. Deliver proactive nudges, subscription management, and live cash flow forecasting. ### Card & Wallet Optimization Help users pick the right card for the moment—maximizing rewards, minimizing fees, and growing wallet share. ### Credit Improvement Journeys Show users the different factors that make up their credit scores; deliver guidance, flag risky spikes, and nudge before late payments. #### Vola builds a stickier financial hub with Method With Method’s real-time liability data, members instantly connected liabilities with just a name and phone number — powering a Loan Dashboard that gave them a complete view of their debt from day one. Tushar Bagamane CEO [Learn more](../customers/vola) #### Cleo launches Debt Reset powered by Method It's great to be pioneering in this space with our partners at Method – turning data into clear, actionable insights that improve our customers' financial health. John Box Head of Partnerships [Learn more](../customers/cleo) ## Cleo is shaping the future of finance with Method ## Read to build features users stick with? See how Method powers user enagement [Book a demo](../book-a-demo) 45M+, end-users, 350M+, accounts, $2B+, in payments, 15K+, financial institutions ## Embed financial connectivity in weeks, not months Offer the right financial products and design engaging experiences while we take care of the evolving connectivity infrastructure. [Book a demo](../book-a-demo) # Employer Benefits Source: https://methodfi.com/solutions/employer-benefits Method for Employer Benefits # Empower employees with more benefits Seamlessly embed student loan repayment and financial wellness management into your benefits platform. [Book a demo](../book-a-demo) ## Embed student loan repayment as a benefit Enable direct contributions to employees' student loans, including 127 pre-tax contributions, with seamless account linking and embedded repayment rails—no payoff details needed. Highway uses Method to provide student loan contributions Read case study ## Educate employees with personalized insights Provide targeted insights that help employees better manage their finances and nudge behavioral change. Improve wellness and decrease stress. ## Frictionless financial management Empower users to effortlessly access their real-time liability overview, and enable them to take actions to save on interest and fees, improve financial health, and much more. Plannery uses Method to unlock realtime, precise debt insights Read case study #### Method empowers Plannery to help healthcare professionals to take control of their financial future Through Method, Plannery has unlocked realtime, precise insights into applicant debt profiles, allowing us to showcase tangible savings and maximize conversions. Andrew First CTO & Co-founder ## Student loan repayment as a benefit made seamless Access all liabilities with a single connection—with users' PII and consent. Say goodbye to manual, credential-based account linking and cumbersome. ### Insights Personalize the employee experience with real-time and uninterrupted connectivity. The result? Impactful benefits and higher morale. ### Compliance Assistance Fully managed electronic money movement that keeps you out of the flow of funds. Built in guard rails to help preserve the tax-free nature of the benefit along with detailed reconciliation. ### Built in Payment Rails Seamlessly payoff student loans and get real-time payment confirmation—no payoff details needed. We provide fully managed electronic money movement and keep you out of the flow of funds. ## More perks, higher morale [Resources for Employer Benefits](../resources/all) [Employer Benefits Tackling Debt for Healthcare Professionals Partnering with Method empowers Plannery to wholeheartedly support their mission of helping healthcare professionals take control of their financial future.](../customers/plannery) [Employer Benefits Providing Student Loan Contributions as an Employee Benefit In a climate where student debt has risen to $1.75 trillion, Highway Benefits developed a platform for student loan repayments as a benefit. Method and Highway Benefits are working together to solve this massive problem.](../customers/highway-benefits) ## Embed financial connectivity in weeks, not months Offer the right financial products and design engaging experiences while we take care of the evolving connectivity infrastructure. [Book a demo](../book-a-demo) # About Source: https://methodfi.com/company/about # Supercharging the Future of Financial Connectivity ## Taking consumer finance into the next decade We empower lenders, fintechs, and other FIs to build products that unlock a level of autonomy never before seen by consumers. We’ve helped 45M+ users connect liability accounts and facilitated billions of dollars in repayments. But in reality, we’re just getting started. [Announcing Method’s $42M Series B led by Emergence Capital Read more](../blog/series-b) 20K+ financial institutions connected 45M+, users connected, $3B+, processed ## Voices of influence directly from industry leaders Method has made a genuine technological breakthrough with its debt repayment API. The vision of automating a consumer's balance sheet will now become a reality. Anish Acharya General Partner ## Voices of influence directly from industry leaders Method is revolutionizing financial management by providing real-time, comprehensive views of consumer debts, essential for making informed financial decisions. Their innovative solutions seamlessly integrate with financial platforms, enhancing user experience and driving engagement. Lotti Siniscalco General Partner ## Voices of influence directly from industry leaders Method's strength lies in the broad usability of its data and payment products across a wide range of industries and verticals. Anu Hariharan General Partner ## Voices of influence directly from industry leaders Method is solving a massive challenge in financial account connectivity, enabling real-time credit data and seamless payments. Method’s APIs are driving better financial health for borrowers and significant growth for financial institutions. Phil Bronner Managing Partner ## The team bridging the financial account connectivity gap - ### Adam BrachfeldDirector, Accounting[Linkedin](https://www.linkedin.com/in/brachfeld/) ### Agustin CygielGrowth[Linkedin](https://www.linkedin.com/in/agustin-cygiel-298365b8/) [Spotlight](../team/agustin-cygiel) ### Alex ReyesEngineering[Linkedin](https://www.linkedin.com/in/alexreyestech/) ### Amanda LornsonExecutive Assistant[Linkedin](https://www.linkedin.com/in/amanda-lornson/) ### Artem VasilkovskiyFinance[Linkedin](https://www.linkedin.com/in/artem-vasilkovskiy-99aa60a9/) ### Bilal HussainIntegration Engineer[Linkedin](https://www.linkedin.com/in/s-bilal-h/) ### Brandon CohenAccount Executive[Linkedin](https://www.linkedin.com/in/brandondcohen/) ### Brett TwomeyHead of Strategic Partnerships[Linkedin](https://www.linkedin.com/in/brett-twomey/) ### Brianna ByersHead of Product Marketing[Linkedin](https://www.linkedin.com/in/briannabyers/) ### Callyn WolffCustomer Success[Linkedin](https://www.linkedin.com/in/callynwolff/) [Spotlight](../team/callyn-wolff) ### Candace EvilsizorChief of Staff[Linkedin](https://www.linkedin.com/in/candace-evilsizor/) [Spotlight](../team/candace-evilsizor) ### Chris VuSecurity[Linkedin](https://www.linkedin.com/in/chris-v-vu/) [Spotlight](../team/chris-vu) ### Christophe PinelliEngineering[Linkedin](https://www.linkedin.com/in/christophe-pinelli-40b776106/) ### Claire SkowronCustomer Success[Linkedin](https://www.linkedin.com/in/claireskowron4/) ### Colin MurphyRecruiting[Linkedin](https://www.linkedin.com/in/colinhanavanmurphy/) ### Elana GolubDirector, Product Strategy & Ops[Linkedin](https://www.linkedin.com/in/elanagolub/) ### Estevan CohnAccount Executive[Linkedin](https://www.linkedin.com/in/estevan-cohn/) ### Geoffrey KwanIntegration Engineer[Linkedin](https://www.linkedin.com/in/geoffrey-kwan-2b1b7261/) ### Jacob MeierPartnerships[Linkedin](https://www.linkedin.com/in/jacobmeier/) ### Jahzel FristoSales[Linkedin](https://www.linkedin.com/in/jahzelfristo/) [Spotlight](../team/jahzel-fristo) ### Jasper FigueoraSales[Linkedin](https://www.linkedin.com/in/jasperfigueroa/) ### JC ZuletaCustomer Success[Linkedin](https://www.linkedin.com/in/juan-camilo-zuleta-707b63b7/) ### Jonathan LayssardIntegration Engineer[Linkedin](https://www.linkedin.com/in/jonathan-layssard-455aa313a/) ### Jose BethancourtCo-founder, CEO[Linkedin](https://www.linkedin.com/in/josebethancourt/) ### Justin BarthHead of Sales[Linkedin](https://www.linkedin.com/in/justinbarth/) ### Kunal AgarwalCustomer Success[Linkedin](https://www.linkedin.com/in/kunal-agarwal-324960135/) ### Marco del CarmenCo-founder, CTO[Linkedin](https://www.linkedin.com/in/jmdelcarmen/) ### Mike DwyerAccount Executive[Linkedin](https://www.linkedin.com/in/mike-dwyer-3811a355/) ### Mike OssigIntegration Engineer[Linkedin](https://www.linkedin.com/in/michael-ossig/) [Spotlight](../team/mike-ossig) ### Mit ShahCo-founder, COO[Linkedin](https://www.linkedin.com/in/mit-shah-13b7661b/) ### Muhammad SareiniEngineering[Linkedin](https://www.linkedin.com/in/muhammadhsareini/) [Spotlight](../team/muhammad-sareini) ### Mustafa AliEngineering[Linkedin](https://www.linkedin.com/in/mustafaali13/) [Spotlight](../team/mustafa-ali) ### Natalie BalloutGTM[Linkedin](https://www.linkedin.com/in/natalie-ballout/) ### Nathan WuEngineering[Linkedin](https://www.linkedin.com/in/na-wu/) [Spotlight](../team/nathan-wu) ### Nicole BlackburnAccounting[Linkedin](https://www.linkedin.com/in/nicole-blackburn-cpa/) ### Pat HoldenSales[Linkedin](https://www.linkedin.com/in/patrick-holden-saas/) ### Phil ChangGeneral Counsel[Linkedin](https://www.linkedin.com/in/phil-chang/) [Spotlight](../team/phil-chang) ### Quyen TienPeople & Talent[Linkedin](https://www.linkedin.com/in/quyentien/) [Spotlight](../team/quyen-tien) ### Stephen LucEngineering[Linkedin](https://www.linkedin.com/in/stephen-luc/) [Spotlight](../team/stephen-luc) ### Stephen VargheseDirector, Finance & Business Ops[Linkedin](https://www.linkedin.com/in/stephen-ipe-varghese-a1393266/) [Spotlight](../team/stephen-varghese) ### Steven XuEngineering[Linkedin](https://www.linkedin.com/in/shaohuixu/) ### Talib KateebSolutions Consultant[Linkedin](https://www.linkedin.com/in/talibkateeb/) [Spotlight](../team/talib-kateeb) ### Tatiana ShabanovaVP of Sales[Linkedin](https://www.linkedin.com/in/tshabanova) ### Tom JacksonCustomer Success[Linkedin](https://www.linkedin.com/in/tom-james-jackson/) ## Method in the news [Investing in Method: Building the Infrastructure for Consumer Debt Innovation Read more](https://www.emcap.com/thoughts/investing-in-method-building-the-infrastructure-for-consumer-debt-innovation/) [Method is helping fintech companies like SoFi build repayment functionality into their apps Read more](https://techcrunch.com/2025/01/23/method-is-helping-fintech-companies-like-sofi-build-repayment-functionality-into-their-apps/) [Method wins Tearsheet’s 2024 Awards for Best Alternative Data Product Read more](https://tearsheet.co/announcement/announcing-the-winners-of-tearsheets-2024-data-awards/) ## Join us and build the future of financial connectivity Be part of a team that's building the infrastructure for seamless financial connections, enabling personalized and competitive financial products for consumers. [See open positions](./careers) # What is Method? Source: https://methodfi.com/blog/what-is-method [Blog home](../resources/all) Company Updates March 6, 2026 # What is Method? Jose Bethancourt, Co-Founder, CEO, Table of contents, 1\.What is Method? 2\.The debt connectivity problem 3\.What we’ve built and why it matters 4\.If you’d like to help us build Method ## What is Method? *Because Method is a somewhat technical product, we often get questions about what we actually do. People (like you, maybe) wonder what Method is and how it is valuable. In the past, we did not have a useful piece we could point those people to. Now we do—it is the essay you are about to read.* Think of all the people you might meet on a regular day. The barista who makes your morning coffee. Your coworkers. The grocery store cashier after work. The doctor, at your 6pm check-up. The server at dinner. What one trait do they all have in common? If you are in the United States, they are probably all in debt. A lot of it. Total consumer debt in the United States is $18.2 trillion. This means the average American adult is $105,000 in debt. Credit cards, student loans, auto loans, personal loans, mortgages. They spend a third of their income every month just paying off debt. Nobody likes talking about it, but debt in the United States is just about everywhere. It is not just that the average American has debt, but that they lack the tools to effectively manage that debt. Loans stack up across separate platforms. Payments are due at different times of the month. Interest piles up. For many Americans, debt is a problem that gets worse with every month, a problem that continues for generations. Debt is more disconnected and complex than ever, which makes it a mess. An entire industry of companies has arisen to help you clean up that mess. There are apps that help you monitor your credit. Others that help you earn rewards on your biggest expenses, like[Bilt](../customers/bilt). Companies that help you use your home equity to get out of debt, like[Figure](../customers/figure). Only it’s much harder than it should be for these companies to do their job. That’s because of something called *connectivity*. In order to effectively help you, financial companies need strong and accurate connections to your debt accounts. They need accurate, up-to-date information—like your balance and payment history on a credit card. And they need the ability to take action on your behalf—like scheduling a student loan payment for you. An app designed to help you pay off your debt can’t be useful if it can’t see your debts nor help you make payments on them. But connectivity is not a solved problem. It has historically been difficult for companies to get your financial data, even with your explicit consent. Instead, companies have to ask you for your login credentials for all your accounts: every credit card, student loan, mortgage that lives across 2,000+ major financial institutions (15,000+ in total). They try to log in (which doesn’t always work). They try to scrape your data (which doesn’t always work). They try to keep this data reliable and up-to-date (which isn’t always possible). Even when you say “yes, here is my debt information,” companies struggle to get it. And by the time they do, that information has changed. If someone could build a strong connection to liability accounts, then millions of Americans could finally take control of their debt instead of being controlled by it. And the companies serving them could build entirely new revenue streams around new, useful, consumer credit and personal financial management opportunities. At Method, we’ve built that connection. ## The debt connectivity problem Before Method, nobody had solved connectivity for liabilities. We found out the hard way. In 2019, we went through the startup accelerator [Y Combinator](https://www.ycombinator.com/). We’d founded a company called [GradJoy](https://gradjoy.com/), and the idea was simple: connect all your student loans to GradJoy and we’d make it easy for you to pay them off. It didn’t quite go as planned. That summer, we were trying to onboard thousands of new students who wanted help paying their loans. One of those students was Sophia: a first-generation college student who had said yes to a sizable loan package when she was 18, before starting her freshman year. There was a new loan assigned for every semester for college, which translates to 8 separate loans to track for an average college graduate. Years later, out of college and working, Sophia was struggling to pay off her loans. It was hard to tell how much progress she was even making. Sophia knew she was behind, but didn’t know how to change it. And so Sophia downloaded GradJoy. This is where things started to get complicated. Liabilities are not like bank accounts; they’re fragmented across different lender types and harder to access. One of Sophia’s loan providers (Great Lakes) was niche, so we needed to ask her for her login information and then build complex, brittle workarounds on the backend to pull the data. Another was available through an existing connectivity solution, but the solution broke often. Another wasn’t accessible* *at all, so we asked Sophia to send us the information in a spreadsheet once per month. Of course, all of this operated on the assumption that Sophia remembered all of her loans (which many students do not). Once we had her data, we sent Sophia a message. We told her we could help her set up a payment plan, but the lack of connectivity meant we had no way to actually schedule payments on her behalf. She couldn’t just say ‘yes’ to the plan in the app; everything still had to be manual. And so, from Sophia’s perspective, the situation was still a mess. She didn’t have comprehensive and reliable data about her liabilities in one place. She still couldn’t automate payments to make sure she stayed on track. It was bad for us at GradJoy, too, because the lack of connectivity made it difficult for us to be useful. Nothing was automatic. Nothing was smooth. Everything was fragile, tedious, and broken. This wasn’t just the status quo for us at GradJoy. It *is*** **the status quo—for everyone. From the small GradJoys of the world to leading financial institutions like Credit Karma. Now, you may be wondering: Why hasn’t anybody fixed this? Prior attempts to solve connectivity with APIs The process for building a connectivity product is straightforward: (1) build some underlying solution that makes the connection, and then (2) provide access to that product via an API; an app for apps. This lets others, like a personal finance app, plug into a user’s data with a few lines of code. If you’ve ever seen screens like this, you’ve probably interacted with a financial connectivity API. Thus far, companies have done a decent job at solving some connectivity problems, like bank accounts. That’s because bank accounts follow a standard: they have routing numbers, shared protocols, and are governed by common infrastructure. But liabilities are more fragmented, more variable. Even within one financial institution, there may be thousands of different permutations of liabilities and the way those account details are reported. This complexity is why the liability problem has remained mostly unsolved. And the few solutions that do exist today often use ineffective tactics under the hood: - They require users to put in their username and password (which means fewer people do it). - They pull outdated credit report data. - They use unreliable tactics (like screen scraping). - They fail often, with connection rates sometimes below 50%. - Users have to connect their accounts one-by-one, which is tedious (and users can forget things). - The data is not refreshed and can often be 30+ days old, which makes it unhelpful. - Not all existing financial connectivity APIs can facilitate payments. You can see the problem. It’s hard to be useful to users if you can’t always connect to their liability accounts, and if the connections you can make are unreliable. The way you unlock real opportunity is by having smooth, frictionless, reliable connectivity that isn’t a burden on the user. That connectivity is exactly what Method provides. ## What we’ve built and why it matters When a company is using Method’s API, the end-user (you!) often does not even notice. You sign up as normal to any app: by giving it your name and phone number. That app then passes Method your information, and Method works its magic. In seconds, you can choose which liability accounts you’d like to connect to whatever service or app you’re using. Once your accounts are connected, payment functionality can also be turned on; this means that you could, for example, pay off your credit cards directly from your personal finance app. If you are reading this, it’s unlikely that you are quite as obsessed with financial connectivity APIs as we have been over the past few years. At least you aren’t yet. But the way Method works is new to the industry. We are the first API that makes connectivity this simple and reliable, which explains our early success so far. Our new approach creates opportunities for both financial companies and regular people. - [Bilt](https://methodfi.com/customers/bilt) uses Method to increase the average number of credit cards a user connects by 2.5x. - [SoFi](https://methodfi.com/customers/sofi) uses Method to expand personal loan coverage for pay off by 78%. - [Cleo](https://methodfi.com/customers/cleo) uses Method to display rich liability insights to its millions users. As Method continues to grow, we have a few predictions around what will happen. 1. People will spend less money on debt. This is partly because they’ll have a more clear understanding of their financial picture and partly because Method enables financial services to become more effective at helping people pay their debt. This alone is a big step forward in a country plagued by consumer debt. 2. Related, financial services will become dramatically more efficient and helpful. Your finance app, or credit score website, or credit card company can help you better when they know more about your financial picture. This also unlocks ways for them to invent new revenue lines by making themselves more useful to customers in ways that would have been impossible without Method-level connectivity. 3. Broadly, we believe that everyday people—especially people who were previously underserved—will have more financial literacy and agency, and less stress. People will know what’s going on, and it will be easier than ever for them to figure out paths to take control over their debt and their financial future. To us, this is an optimistic picture of the future. And, if things work out, Method will be at the center of it all. ## If you’d like to help us build Method You may have some questions about Method as a company. The short answer is that, while we have a long way to go, so far we have seen success. We’ve processed over $2.5B in payments. One in every three credit cards in the United States is in the Method ecosystem. Leading financial institutions like SoFi and Bilt rely on our APIs to build magical experiences for hundreds of millions of consumers. And last year, we raised a $42M Series B led by Emergence Capital and Andreessen Horowitz. But Method is not a huge company. For instance, our engineering team is just 8 people. When candidates come to interview with us in person, they tend to be surprised by this. The truth is, we are small not because the product is easy to build, but because we’re all interdisciplinary. Our accounting team knows APIs and our sales team jumps into Figma to mock up experiences. Of course, we sometimes *do* need to hire people, and if you have made it this far in the essay perhaps you’d like to chat about working with us. If working at Method seems interesting to you, drop me a note: jose@methodfi.com Or, if you want to explore how real-time connectivity can transform your business, [book a demo here.](https://methodfi.com/book-a-demo) ### Related Articles [Company Updates How Method is Reducing Fraud in Commerce](./how-method-is-reducing-fraud-in-commerce) [Company Updates Method for Commerce: One Connection for the Full Wallet](./method-for-commerce-one-connection-for-the-full-wallet) [Company Updates Introducing Opal: The Future of Embedded Account Connectivity](./introducing-opal) ## Embed financial connectivity in weeks, not months Offer the right financial products and design engaging experiences while we take care of the evolving connectivity infrastructure. [Book a demo](../book-a-demo) # Method for Commerce Source: https://methodfi.com/blog/method-for-commerce-one-connection-for-the-full-wallet [Blog home](../resources/all) Company Updates January 13, 2026 # Method for Commerce: One Connection for the Full Wallet Jose Bethancourt Co-founder & CEO Elana Golub Director, Product Strategy & Ops Table of contents 1\.Method unlocks more revenue for commerce with better connections 2\.Less friction 3\.Less fraud 4\.More value 5\.The future of commerce is data-first E-commerce is one of the most optimized industries on the planet. Buy a product online today and you will get to enjoy millions of dollars worth of A/B testing: the pay-per-click ads you see on Google, the UI and UX of the website, the layout and copywriting on the product page, the upsells in the checkout flow. In commerce, the last drops of optimization juice have been squeezed out of everything. Well, *almost* everything. What about the part where customers enter a 16-digit card number? Companies spend billions of dollars to reduce friction and increase conversion, and yet card connection is a frontier that has hardly been touched. - Why do customers still need to manually input their card numbers? - Why can merchants not help customers make the most of their full wallets (e.g. via rewards)? - Why are there still so many problems with fraud, and so many false positives? - Why do so many customers get declined, or hit their credit limit, and then drop off? For merchants, this status quo means that they have no idea if a payment will go through until after they try to charge it. They don’t know what other cards a user might hold. They don’t even know if the person making the purchase is the cardholder. And this unnecessary friction is frustrating for regular customers, too. They still have to enter 16-digit card numbers every time they make their first purchase on a website. They still don’t know if their card will be declined for some unknowable reason. They may not even have the card they’d like to use with them on hand (and thus, not be able to use it). Customers know it as well as anyone: friction decreases the likelihood of a purchase. ## Method unlocks more revenue for commerce with better connections You could imagine a different version of the world where none of this was a problem. A world where a customer would simply provide their name and phone number, and their full wallet would be connected automatically. In this version of the world, customers would abandon checkout less often. Merchants would be able to know which card was least likely to cross a credit limit. Fraud identification would be far more accurate, and false positives would happen less often. This is the version of the world that Method has unlocked for commerce. Over the past year, we have taken the infrastructure we built for liability connectivity and applied it to commerce flows for companies like [Bilt](../customers/bilt) and [Sezzle](https://sezzle.com/). ## Less friction Inputting payment information is the highest-friction point of checkout, which means it’s also where people tend to drop off. This friction is compounded by how big the average wallet is and how fast it evolves. The typical American holds roughly 4 credit cards, and in a rewards-hungry economy, active consumers open new cards constantly. For merchants, this is usually a missed opportunity: consumers want to put spend on these new cards to hit sign-up bonuses, but the friction of manually entering new digits gets in the way. With Method, all of that friction vanishes. Customers just type in their name and phone number, and we connect their full wallet right away. This way, people can put spend on whichever card they’d like and they never have to enter 16 digits in order to do so. Method takes this seamless connection a step further, transforming each card into a persistent payment token. These tokens represent secure, evergreen forms of payment. Users don’t have to re-enter their information every time they replace their card, and merchants don’t need to bear a complex PCI burden. [Sezzle](https://sezzle.com/), the buy now pay later company, built a flow for this to reduce friction at checkout and to reduce chargeback volume with better authentication (more on that in a minute). ## Less fraud It may sound counterintuitive that a product can reduce both payment friction and fraud at the same time. Shouldn’t easier to pay also mean easier to hack? Not in Method’s case. Standard fraud tools are a collection of heuristics; they guess based on signals like IP and device. This sometimes works, but it still misses a lot of fraud and turns up plenty of false positives. Method goes further with two approaches. We start with a user’s credit report, matching their PII (name, address, etc.) to their liabilities and making them available for payment. This lets us start with verified ownership rather than checking it later. Separately, we can verify a user’s PII against the ANI (name on card) and AVS (billing address registered with the card issuer). This reduces fraud *and* reduces false positives. We can also check available credit before payment authorization. If a user doesn’t have enough credit to make the purchase, we can stop them from attempting that purchase (saving decline fees!) and suggest a different card to use if they have available credit elsewhere. ## More value Today, companies only get to see the (usually one) card that the user connects. This is just one piece of a much larger puzzle. Bilt, the rewards network, had this very problem: they wanted to encourage users to spend across their merchant network, and they wanted to reward those users accordingly. But the Bilt team knew many of their users were spending on cards that Bilt didn’t have access to. So [Bilt designed a branded flow with Method Card Connect](../customers/bilt), which made it far easier for users to connect their full wallets and earn more points. This resulted in a 148% (!) increase in user card connections. ## The future of commerce is data-first One constant with human inventions is that we often think of them long before they become possible. Many of the things Method does for commerce (instant wallet connection, better fraud detection, more ways to unlock value) are things that merchants have wished they had technology to do for years. The reason customers have been stuck entering 16 digits manually is because the alternative was impossible. Method is unlocking a world where commerce is more optimized than ever and customers have smoother, more valuable experiences as they make purchases. You can [read our API docs here](https://docs.methodfi.com/reference/introduction) or [experience the live wallet connection yourself here.](https://mthd.fi/commercedemo) ### Related Articles [Company Updates How Method is Reducing Fraud in Commerce](./how-method-is-reducing-fraud-in-commerce) [Company Updates What is Method?](./what-is-method) [Company Updates Introducing Opal: The Future of Embedded Account Connectivity](./introducing-opal) ## Embed financial connectivity in weeks, not months Offer the right financial products and design engaging experiences while we take care of the evolving connectivity infrastructure. [Book a demo](../book-a-demo) # Series B Source: https://methodfi.com/blog/series-b [Blog home](../resources/all) Company Updates January 23, 2025 # Announcing Method’s $42M Series B led by Emergence Capital Jose Bethancourt Co-founder & CEO Table of contents 1\.Tackling a Universal Problem 2\.Impact Since our Last Fundraise 3\.A Vision for the Future Today, I’m excited to announce that Method has raised a $42 million Series B led by [**Emergence Capital**](https://www.emcap.com/) with participation from Avra, Samsung, and our existing investors: Andreessen Horowitz, Y Combinator, Truist, and Ardent. This new round will help us accelerate, grow our team, and continue building the future of financial connectivity. [**Read more on Techcrunch**](https://techcrunch.com/2025/01/23/method-is-helping-fintech-companies-like-sofi-build-repayment-functionality-into-their-apps/) ## Tackling a Universal Problem We started Method in 2021 after experiencing first hand how broken the financial account connectivity ecosystem was. We spent countless hours talking to other fintechs, founders, and end-users and confirmed that this wasn’t just our problem—it was a universal one. Ultimately, the fragmentation and lack of connectivity was hurting traditional Americans who were unable to access ***better*** financial opportunities. We knew that if we could empower fintechs, financial institutions, and end-users with better connectivity, we could unlock a new wave of innovation. What is ***better***? To us, better meant three things: complete, real-time access to any financial account, securely accessible to consumers, with both read and write capabilities. In order to build ***better***, we had to rethink the fundamentals of financial connectivity. We did—and Method was born. ## Impact Since our Last Fundraise Since our last round of funding in 2023, we’ve grown at an incredible pace. We’ve enabled 30 million password-less account connections for nearly 4 million Americans, processing over $500 million in payments along the way. These numbers aren’t just metrics—they’re evidence of Method powering entirely new experiences. Our customers aren’t replacing existing solutions with Method; they’re innovating new experiences that were previously impossible. It has been incredible to see all the use-cases universally focused on creating better financial outcomes for all Americans. For example, [**Bilt**](https://www.biltrewards.com/) uses [Method’s Card Connect](https://methodfi.com/blog/card-connect) – a first-of-its-kind solution enabling consumers to connect all their credit cards using just their phone number and consent. By leveraging Method’s APIs, Bilt eliminated the friction of users manually entering their credit card information, billing details, and more across multiple credit cards, making it easier than ever for Bilt users to unlock rewards and maximize their financial potential. On the other side of the equation is [**Figure**](https://www.figure.com/), currently using Method’s APIs to power its new [Intellidebt Direct Pay feature](https://www.figure.com/newsroom/introducing-intellidebt-a-direct-debt-payoff-tool/). Borrowers use HELOC proceeds to seamlessly pay off high-interest debt directly within Figure’s application flow. By streamlining debt payments and enabling borrowers to qualify for more offers, Figure reduces debt burdens by an average of $500-$600 per month and helps expand credit access – all powered by Method. And then there is [**Vola**](https://methodfi.com/customers/vola) who came to us wanting to build out a feature-rich Loan Dashboard. They wanted to help users navigate debt obligations in real time, improve their credit scores, and make informed financial decisions for long-term financial well-being. After collaborating with us and leveraging our consumer-permissioned financial data, Vola achieved a 10x increase in Loan Dashboard users with users seeing an average credit score improvement of 31 points. These are just a few examples. Companies like SoFi, Aven, PenFed, and FlexCar are also pushing boundaries and creating groundbreaking financial experiences powered by Method. ## A Vision for the Future We believe financial connectivity should be effortless and inclusive. Our vision is to continue making that happen for many decades to come by powering the next generation of financial experiences. This new round of funding is another stepping stone toward a world where everyone has the tools they need to make informed financial decisions. We have a series of announcements coming up announcing some of the exciting new tools. I want to thank our clients, partners, investors and team for believing in our mission and helping us get to where we are today. We have so much more work to do. If you’re a kind and talented person who believes in our vision as strongly as we do, we’d love for you to join us: [**careers.methodfi.com**](https://methodfi.com/company/careers). ### Related Articles [Company Updates How Method is Reducing Fraud in Commerce](./how-method-is-reducing-fraud-in-commerce) [Company Updates What is Method?](./what-is-method) [Company Updates Method for Commerce: One Connection for the Full Wallet](./method-for-commerce-one-connection-for-the-full-wallet) ## Embed financial connectivity in weeks, not months Offer the right financial products and design engaging experiences while we take care of the evolving connectivity infrastructure. [Book a demo](../book-a-demo) # Introducing Opal Source: https://methodfi.com/blog/introducing-opal [Blog home](../resources/all) Company Updates November 19, 2025 # Introducing Opal: The Future of Embedded Account Connectivity Elana Golub Director, Product Strategy & Ops Devan Patel, Founding Designer, Nathan Wu, Software Engineer, Table of contents, 1\.Introducing Opal 2\.How it works: A single token with infinite possibilities 3\.Method x Sezzle 4\.Method x Ditch 5\.Method x Aven 6\.Optimized for trust, speed, and scale 7\.The future of financial connectivity Over the past two years, Method has quietly become the connective layer for more than 60 million consumers, powering some of the most iconic fintech brands behind the scenes—including SoFi, Cleo, Sezzle, Aven, and Robinhood. With Method, consumers can instantly share their complete financial footprint, credit cards, loans, KYC, PII, and more, using nothing more than their name, phone number, and consent, all seamlessly embedded within the customer experience. This capability gives companies instant, reliable access to financial data at scale, empowering users to unlock better financial opportunities and enabling a new generation of trusted, data-driven products. As our partners have reimagined what’s possible across lending, digital wallets, personal finance, rewards, and agentic commerce, it became clear: Method’s original onboarding flow couldn’t keep up with the breadth of use cases being built. The power of our network had outgrown the UI we started with. ## Introducing Opal Meet **Opal** - Method’s new **embeddable UI**, designed to bring the full power of Method’s connectivity into a seamless, branded, and modular experience. Opal combines everything our partners love about Method—instant authentication, identity verification, and data connectivity—and wraps them in a continuous, brand-native interface. It adapts to any design system, integrates in minutes, and scales across use cases from lending to personal finance all the way to agentic commerce. ## How it works: A single token with infinite possibilities We built Opal’s modular architecture so it could **adapt to any product vision**. The platform offers four core components that work independently or together. - Identity verification to authenticate users - Account connection to link credit cards and liability accounts - Account verification to confirm ownership - Transaction linking to access spending data Each of the four modules integrates seamlessly into any design system, delivering **exactly the functionality each use case demands. **Here’s how a few of our partners are leveraging Opal today**:** ### Method x Sezzle **Sezzle** is using Opal to allow users to link their wallet at checkout, eliminating the need for manual credit card entry and reducing chargeback volume through account verification. ### Method x Ditch **Ditch** customers onboard to their platform with Opal, connecting all of their liability accounts with a single interaction, fast-tracking the user through the onboarding process for a smoother and more complete customer experience. ### Method x Aven **Aven** users can now link transaction data from their credit cards to their Advisor account, powering visibility into their spending categories for better visibility into their financial habits. ## Optimized for trust, speed, and scale With Opal, speed goes beyond your time to market. Method’s financial network is the largest in the country, covering more than 85% of all credit-bearing Americans. This allows consumers to share their most sensitive financial information in seconds. Opal is powered by Method’s robust proprietary security and authentication technology, ensuring that every user’s information is verified using the most up-to-date technology and data across telecommunications, credit bureaus, issuers and card networks. ## The future of financial connectivity Opal represents the next evolution of Method’s mission: to make connecting financial accounts **instant, secure, and effortless**. It’s how the world’s most ambitious fintechs are building the next generation of financial experiences—from onboarding and underwriting to commerce and engagement. **Opal is now available in early access.** [**Contact our team**](https://methodfi.com/book-a-demo) to see how you can bring the full power of Method into your experience. ### Related Articles [Company Updates How Method is Reducing Fraud in Commerce](./how-method-is-reducing-fraud-in-commerce) [Company Updates What is Method?](./what-is-method) [Company Updates Method for Commerce: One Connection for the Full Wallet](./method-for-commerce-one-connection-for-the-full-wallet) ## Embed financial connectivity in weeks, not months Offer the right financial products and design engaging experiences while we take care of the evolving connectivity infrastructure. [Book a demo](../book-a-demo) # SoFi Source: https://methodfi.com/customers/sofi [Customer Stories](../resources/customer-stories) [Book a demo] ### SoFi Scales Direct Pay with Method: $1B+ in Loan Payoffs ###### SoFi SoFi is financial technology company that provides digital banking, lending, investing, and personal finance solutions to help people manage and grow their money Industry Consumer Lending Website [sofi.com](https://www.sofi.com/) Products used, Connect, Data, Pay, Number of employees, 1,000+ ## Results since integrating Method ##### $1B+ personal loan payments processed ##### 78%+ Direct Pay coverage for personal loan consolidation ##### 10% incremental increase in credit card debt repayment ##### 20% borrowers qualify for lower rates when they pay off non-credit card debt ## About SoFi SoFi's mission is to help people reach financial independence by offering products that enable them to buy homes, save for retirement, and pay off student loans. The SoFi team recognized that a significant number of personal loan borrowers were using funds to consolidate debt, especially non-credit card liabilities, but the actual payoff process was clunky, error-prone, and easy to abandon. They set out to create a better payoff experience: one that could reduce defaults, deliver more competitive rates, and improve satisfaction across their member base. ## Challenge SoFi members often used personal loans to consolidate debt, but without the infrastructure to send payments directly to creditors, the burden fell on borrowers to manage payoffs themselves. That created more risk of incomplete repayments, forcing SoFi to approve loans at higher rates. ### High complexity to build Direct Pay in-house Supporting direct payoffs at scale would have required SoFi to integrate with thousands of loan servicers individually, each with unique requirements. Many servicers still only accept paper checks, forcing SoFi to build infrastructure for printing, mailing, and tracking physical payments, plus processes to handle checks delayed in transit, lost, or misapplied by servicers. Beyond these logistics challenges, SoFi would have needed to build secure infrastructure to collect sensitive account data and manage real-time payment tracking. The compliance requirements alone would have demanded significant engineering investment and ongoing support, as most payments take weeks to clear and months to resolve when incorrectly posted or when funds go missing. This wasn't a one-time build, it would have meant dedicating long-term resources to payment infrastructure outside SoFi's core lending roadmap while standing up an entire payment operations team focused solely on creditor payments. @Omri Ofir Product Manager, SoFi Our partnership with Method has allowed SoFi to elevate the refinance experience for consumers. SoFi can now seamlessly identify outstanding loans and enable users to apply funds directly toward their debts—providing a streamlined debt consolidation process and peace of mind. ### Borrowers abandon manual debt payoff flows To pay off non-credit card debt, members had to hunt down account numbers, servicer details, and billing addresses – information that was often buried in statements or hard to locate online. Entering these details correctly was tedious and error-prone; even small mistakes could cause payment delays or failures. As a result, many borrowers simply gave up on the process, even when they had sufficient funds to eliminate high-interest debt. The manual process also created opportunities for unauthorized account access or payment fraud. ### Missing loan payment verification limited SoFi's ability to offer better rates Without verified loan accounts and payoff quotes, SoFi couldn’t confidently offer better rates to borrowers who were actually reducing their debt burden. This limited their ability to stay competitive on pricing, especially in a market where differentiation matters. To make non-credit card loan payoff possible at scale, SoFi needed: - A way for members to instantly discover and link liabilities without no manual account logins or statement lookups - Real-time loan verification to confirm account ownership and balances, reducing fraud and eliminating overpayments - Secure collection of sensitive payoff details with direct payments to servicers - Reliable payment infrastructure and tracking to avoid failed payoffs that drive support costs and leave borrowers accruing unexpected interest - Visibility into payment status at every stage from pending to posted That’s when SoFi turned to Method, a partner able to handle servicer connectivity, payment infrastructure, and compliance behind the scenes. ## Solution SoFi launched **Direct Pay for personal loans** by integrating Method's APIs into their loan origination flow. Direct Pay transforms the debt consolidation experience from a manual, error prone into an automated and transparent workflow. ### SoFi automated direct loan pay with Method’s API After loan approval but before disbursement, borrowers can view and select loans & cards for payoff using Method's network of 15,000+ financial institutions, right within the SoFi experience. No account numbers to remember, no billing addresses to hunt down, just point, click, and pay off debt directly from their SoFi loan proceeds. Method transforms a previously manual and error-prone process into a streamlined experience that improves efficiency across SoFi’s operations, support teams, and member experience. ### Real-time payment status for borrowers and support Method provides real-time visibility into payment status at every stage, from pending to posted with notifications via webhooks for 90%+ of the largest FIs. Both SoFi and its members can see exactly when creditors receive funds. The SoFi support team uses Method’s dashboard to surface payment status on demand, improving response times and reducing support tickets. ### Results SoFi's partnership with Method delivered measurable results across adoption, risk, and member satisfaction: ### $1B+ in loan payoffs, delivered with confidence Method has processed more than $1 billion in personal loan payoffs for SoFi borrowers, ensuring fast, reliable disbursements with no overhead for SoFi. Real-time payment tracking confirms when each transaction posts, giving SoFi full visibility and reducing operational overhead. [*Learn how Direct Pay provides repayment certainty which can lower an applicant’s debt-to-income (DTI) ratio*](https://methodfi.com/blog/improve-debt-consolidation-performance-with-repayment-certainty) ### From 5% pilot to 100% rollout, driven by 78%+ coverage SoFi initially launched Direct Pay to just 5% of borrowers, with Method covering just over half of personal loan lenders. Within weeks, Method rapidly expanded its network to 78%+ coverage in close collaboration with SoFi. This gave SoFi the confidence to scale Direct Pay to 100% of personal loan borrowers without building payment infrastructure in-house. Method’s deep connectivity and agile partnership made expansion fast, secure, and cost-efficient. ### 20% increase in discount qualification With Direct Pay powered by Method, SoFi could confidently offer better rates to more qualified borrowers, boosting competitiveness in a crowded lending market. Borrowers who paid off non-credit card debt using Direct Pay saw a 20% increase in discount qualification, giving SoFi a real edge in pricing. ### 10% incremental increase in credit card paydowns Beyond personal loans, Method also drove a 10% boost in credit card debt repayment by making it easy to discover, link, and pay down liabilities directly during the SoFi loan flow. ### Operational excellence without the overhead By eliminating manual data entry, mismatches, and tracking delays, Direct Pay improved support workflows and increased borrower satisfaction. SoFi’s support team now uses Method’s dashboard to instantly verify payment status, while engineering teams avoided months of infrastructure buildout thanks to Method’s plug-and-play APIs. ### Leading the way For SoFi, Method didn’t just fix a broken process, it created a competitive advantage. Direct Pay now helps SoFi offer competitive rates, reduce operational drag, and turn member intent into real outcomes. ### We have more inspiring stories for you [Consumer Lending Aven Transforms Home Equity Access with Instant Balance Transfers](./aven-transforms-home-equity-access-with-instant-balance-transfers) [Personal Finance Launching Automatic Debt Payoff: What Ditch Built with Method](./ditch) [Personal Finance Launching Debt Reset: What Cleo Built With Method](./cleo) ## Embed financial connectivity in weeks, not months Offer the right financial products and design engaging experiences while we take care of the evolving connectivity infrastructure. [Book a demo](../book-a-demo) # Bilt Source: https://methodfi.com/customers/bilt [Customer Stories](../resources/customer-stories) [Book a demo] ### Bilt Increases Card Enrollment by 148% with Method Card Connect ###### Bilt Rewards Bilt Rewards is a loyalty program and co-branded credit card platform that enables renters to earn points on rent payments without transaction fees. Industry Loyalty & Rewards Website [biltrewards.com](https://www.biltrewards.com/) Products used, Connect, Data, Pay, Number of employees, 51-200 ## Results since integrating Method ##### 148% increase in card enrollment rate ##### $400M+ in rent payments processed ## Challenge When Bilt began expanding its rewards program to include neighborhood merchant purchases, they faced a significant challenge: members typically linked only one credit card to their accounts. This limited card enrollment meant Bilt was unable to track and reward substantial member spending that occurred on unlinked cards, creating a blind spot in their rewards ecosystem. For a rewards platform serving 4.5+ million rental properties, even small improvements in card linkage could drive significant value. ## Solution Bilt partnered with Method to design Instant Link, a streamlined card enrollment solution integrated directly into their member onboarding flow and brought it to market within 4 weeks of ideation. Instant Link allows members to: - Access credit cards across 4,000+ financial institutions - Securely authenticate and connect multiple cards in seconds - Automatically maintain updated card details, even after reissuance > *Bilt members can now effortlessly link their existing credit cards with Method, allowing them to earn rewards on rent, dining, travel, and more. We're thrilled to provide seamless opportunities for our members to earn rewards on their everyday purchases.\ \ *– Ankur Jain, CEO at Bilt ## Results The implementation of Method Card Connect transformed Bilt's rewards ecosystem, delivering substantial impact across key metrics: ### 148% Increase in Card Enrollment Rate Instant Link dramatically simplified the card connection process, resulting in nearly 2.5x more cards being enrolled in the Bilt platform. ### $400M+ in Rent Payment Processing The streamlined card connectivity enabled members to seamlessly process more than $400m in rent payments through their connected cards. ### 83% Increase in Neighborhood Merchant Spend per Member Enhanced rewards earning opportunities and an increase in cards linked through Method, drove significant engagement within Bilt's merchant ecosystem and a substantial lift in neighborhood merchant spend volume per member. ### 32% Increase in Neighborhood Spend Per Card For each additional card that’s linked, Bilt captures more spend in their network. With Instant Link, that captured spend in Bilt’s network has significantly increased. > *Instant Link is the only card-linking solution that allows consumers to connect their entire credit card wallet in seconds. We're proud to bring this technology to Bilt and its members.\ \ *– Jose Bethancourt, Co-founder & CEO at Method ## Also in the News Learn more about how Method's API is powering [Bilt’s student loan redemptions](https://newsroom.biltrewards.com/introducing-student-loan-redemptions-a-new-way-to-use-your-bilt-points) by: - Enabling members to redeem points for student loans - Helping members locate student loans within our extensive loan servicer network - Processing repayment transactions directly to servicers at competitive rates (1,000 points = $10) **Update as of January 2026: **Bilt expanded its rewards program with Bilt 2.0, enabling homeowners to earn points on monthly mortgage payments. Method powers the experience by linking users’ mortgage account details automatically, eliminating manual entry and enabling rewards on mortgage payments without transaction fees. Want to see how Method Card Connect can boost your enrollment rates and streamline checkout? [Schedule your personalized demo today](https://methodfi.com/book-a-demo). ### We have more inspiring stories for you [Consumer Lending Aven Transforms Home Equity Access with Instant Balance Transfers](./aven-transforms-home-equity-access-with-instant-balance-transfers) [Personal Finance Launching Automatic Debt Payoff: What Ditch Built with Method](./ditch) [Personal Finance Launching Debt Reset: What Cleo Built With Method](./cleo) ## Embed financial connectivity in weeks, not months Offer the right financial products and design engaging experiences while we take care of the evolving connectivity infrastructure. [Book a demo](../book-a-demo) # Happy Money Source: https://methodfi.com/customers/happy-money [Customer Stories](../resources/customer-stories) [Book a demo] ### A Happier Way of Lending ###### Happy Money Happy Money enables happier lending at scale by connecting consumers with capital sourced from credit unions. Industry Credit Unions Website [happymoney.com](https://happymoney.com/) Products used, Connect, Data, Pay, Number of employees, 201-500 ## Results since integrating Method ##### 300,000 members gained access to loans ##### $6B in loan consolidation ##### 96% coverage of same-day payments [Happy Money](https://happymoney.com/) enables happier lending at scale by connecting consumers with capital sourced from credit unions. Since inception, Happy Money has helped over 300,000 members to access more than $6 billion in loans. Happy Money and Method joined forces to provide members with a seamless experience paying off outstanding credit card debt via Happy Money’s Direct Card Payoff™ feature.\ > *Method has improved our Direct Card Payoff™ offering by increasing our coverage for same day payment execution from \~50% to \~96%. Method allows for near real-time payment status, whereas alternatives provide balances that could be up to 30 days out of date. Implementing Method’s APIs enhanced the experience for our members and visibility for our agents.\ \ *– Nick Pesce, Head of Product & Design at Happy Money ## Objective Happy Money’s Payoff Loan™ is specifically designed to help members consolidate high-interest credit card debt. With The Payoff Loan™, members can swap multiple, high-interest credit card payments to a single, monthly payment. The Happy Money platform enables members to immediately pay off their outstanding credit cards using Direct Card Payoff™ once their personal loan is approved, reducing the hassle and time required to benefit from the lower rate. ## Approach For Direct Card Payoff™ to securely pay off members’ credit cards, Happy Money needed a white-labeled data and payment solution. In particular, Happy Money sought a financial technology provider to identify all of a member’s outstanding credit cards, retrieve up-to-date balances, and enable their members to transfer funds from The Payoff Loan™ to those cards. The ideal solution would deliver a seamless user experience, near-instantaneous payment, and full money movement visibility. Method’s liability connectivity APIs provide the integrated data and payment rails required to power Direct Card Payoff™. Using the PII already collected by Happy Money’s application flow, and members’ explicit consent, Method’s API identifies all active credit cards, retrieves the live balance, and facilitates balance transfer to over 15,000 financial institutions, without requiring members to enter account numbers for ownership validation. Additionally, Method provides Happy Money with immediate confirmation of payment status and supplemental reporting to streamline payment reconciliation with their credit union partners. > *Method stood out against other vendors because of their payment execution speed and robust reporting. Other vendors had a solid offering in one or the other, but only Method had both.\ \ *– Nick Pesce, Head of Product & Design at Happy Money ## Benefits for Happy Money Members Happy Money partnered with Method to create an enhanced member experience: - No need to recall usernames or passwords - Cards automatically identified and up-to-the-minute balances retrieved - Seamless, embedded payment experience to 15,000 financial institutions - Clear confirmation of payment - Faster savings from debt consolidation ## Impact of Partnership In the months since launch, Happy Money members have connected over 50,000 accounts through Method’s APIs, and millions of dollars of consumer debt is consolidated monthly using Method’s connectivity and payment rails. Through the partnership, Method has facilitated over $7M in balance transfer for Happy Money members. ## About Happy Money Happy Money is designing a happier way of lending that helps borrowers achieve their goals and helps credit unions achieve greater impact. Backed by leading investors, Happy Money has helped over 300,000 members since inception – working with community-focused lending partners to fund more than $6 billion in loans. Visit [happymoney.com](https://happymoney.com/) to learn more. ## About Method Financial Method’s APIs are redefining financial connectivity with real-time, read-write, and frictionless access to all consumer liability data with integrated payment rails. Method helps lenders increase revenue by streamlining customer acquisition, improving underwriting accuracy, and increasing line utilization through balance transfers, all without the need for a consumer’s username and password. Today, Method powers solutions for over 60 fintechs, lenders, and FIs including Aven, Bilt, Upgrade, and Figure. Method is backed by a16z, Abstract Ventures, YC, Truist Ventures, and more. To learn more, visit [methodfi.com](https://methodfi.com/). ### We have more inspiring stories for you [Consumer Lending Aven Transforms Home Equity Access with Instant Balance Transfers](./aven-transforms-home-equity-access-with-instant-balance-transfers) [Personal Finance Launching Automatic Debt Payoff: What Ditch Built with Method](./ditch) [Personal Finance Launching Debt Reset: What Cleo Built With Method](./cleo) ## Embed financial connectivity in weeks, not months Offer the right financial products and design engaging experiences while we take care of the evolving connectivity infrastructure. [Book a demo](../book-a-demo) # Aven Source: https://methodfi.com/customers/aven-transforms-home-equity-access-with-instant-balance-transfers [Customer Stories](../resources/customer-stories) [Book a demo] ### Aven Transforms Home Equity Access with Instant Balance Transfers ###### Aven Aven offers a home equity–backed credit card that gives qualified homeowners a low-APR revolving line they can use to spend or pay down higher-interest balances. Industry Consumer Lending Website [https://www.aven.com/](https://www.aven.com/) Products used, Connect, Data, Pay, Number of employees, 51-200 ## Results since integrating Method ##### 25% increase in monthly balance transfer volume ##### 1-2 days in payment settlement time ##### $115M+ in balance transfers processed ## About Aven Aven's mission is to provide consumers with the lowest cost, most convenient, and most transparent access to capital. Responsible homeowners are eligible for the Aven Home Card, a credit card backed by home equity. Since Aven's lending is secured, borrowers are eligible for lines up to $250,000 at the lowest APR of any credit card in the U.S., guaranteed. Aven estimates that since its 2019 launch, it has saved customers more than $100 million in interest charges, issuing more than $1.5 billion in credit lines overall. ## Challenge: High complexity to build embedded balance transfers in-house Aven knew many of their new Home Card customers would want to consolidate high-interest revolving credit card balances with their low-APR home equity line. But prior to Method, the only option was the industry’s incumbent balance transfer process—a manual, weeks-long workflow that created friction for both lenders and consumers. **Why balance transfers are complex** Balance transfers are anything but simple. Customers often carry multiple credit cards across different issuers, each with its own balance and payoff amount. To move those balances, borrowers must locate every account, manually enter sensitive account details, provide creditor billing addresses and then wait two to three weeks for payments to post, by which time payoff amounts likely have changed. With no real-time confirmation and a high risk of failure from manual errors, the process creates frustration for consumers and a heavy support load for lenders. **Operational and compliance hurdles for lenders** For Aven, replicating this process internally would have meant building thousands of issuer connections, implementing PCI-compliant infrastructure, and standing up a full operations team to reconcile payments and manage errors. The cost and resource requirements were far outside their core focus. **The gap for customers** Aven needed a way to deliver a digital balance transfer experience that matched its mission of providing the lowest-cost, most convenient, and most transparent access to credit. Without a modern embedded balance transfer solution, Home Card customers would face friction consolidating their balances, leaving credit lines underutilized and missing out on the savings of lower-cost capital. ## Solution To overcome these hurdles, Aven partnered with Method to embed balance transfers directly into the Home Card experience. Using Method’s API for real-time liability data and payments, Aven could provide a fast, digital alternative to the industry’s manual process. With connections to more than 1,500+ card issuers, Method enables consumers to permission access to their liabilities instantly. Instead of typing in account numbers, borrowers verify their identity with simple PII (e.g., name, date of birth, phone) and are immediately connected to all their credit card accounts. From there, Method’s platform powers the end-to-end transfer from the newly issued HELOC: - **Real-time liability data:** Current balances and APR ranges are surfaced so borrowers can see the cards where a transfer will drive the greatest savings. - **Embedded payment rails:** Funds from the Aven Home Card are routed directly to creditors, with confirmation and settlement in 1–2 days rather than weeks. - **Transparent tracking:** Aven’s team can monitor each transfer through Method’s dashboard, proactively update customers, and minimize support inquiries. For users, the experience is simple: after they’re approved for the Home Card, they select the cards they want to pay down, enter transfer amounts, and submit – without ever re-entering sensitive details. For Aven, the impact was just as significant: Method’s functionality went live in less than four weeks, without the cost and overhead of building PCI-compliant infrastructure or standing up a payment operations team. ## Results Since launching balance transfers with Method, the impact for Aven and its customers has been notable: - **Higher transfer volume**: Monthly balance transfer volume per cardholder increased by 25%, helping customers save millions in excess interest payments. - **10x faster transfers**: A balance transfer process that would take weeks now settles in just **1–2 days** with full visibility into payment tacking. - **Adoption at scale**: More than $115M in balance transfers have been processed to date. ## Want to build your own balance transfer experience? Let’s talk - [**book a demo today**](https://methodfi.com/book-a-demo). ### We have more inspiring stories for you [Personal Finance Launching Automatic Debt Payoff: What Ditch Built with Method](./ditch) [Personal Finance Launching Debt Reset: What Cleo Built With Method](./cleo) [Consumer Lending SoFi Scales Direct Pay with Method: $1B+ in Loan Payoffs](./sofi) ## Embed financial connectivity in weeks, not months Offer the right financial products and design engaging experiences while we take care of the evolving connectivity infrastructure. [Book a demo](../book-a-demo) # Cleo Source: https://methodfi.com/customers/cleo [Customer Stories](../resources/customer-stories) [Book a demo] ### Launching Debt Reset: What Cleo Built With Method ###### Cleo Cleo is an AI-powered financial assistant that helps users manage their money with personalized insights and smart budgeting tools Industry Personal Finance Website [meetcleo.com](http://meetcleo.com/) Products used, Connect, Data, Number of employees, 201-500 ## Results since integrating Method ##### Money20/20 Grand Prix Award Won for AI Innovation ##### 60% Eligible users engaged with Debt Reset week 1 (800k+) ##### 80%+ Happy-path eligibility for payoff planning Cleo built a beloved personal finance experience by meeting their users where they are, through a witty AI chat that makes money decisions feel approachable. Cleo’s mission is to transform people's relationships with money by providing personalized financial advice and tools that help users manage, save, build credit, and reduce debt. With Method, Cleo launched **Debt Reset**, a subscription feature that gives members a clear picture of what they owe and a plan to pay it down faster. This is a story about product partnership, not just an integration. Cleo brought an engaged audience and a bold vision. Method brought real-time liability connectivity, data that powers payoff planning, and the dedicated team to make launch day a success. ## Key launch facts - **Product**: Debt Reset inside the Cleo app for Plus and Builder tiers - **Go‑live**: July, 2025 - **Expanded coverage: **To serve under-served communities–users early in their career, low credit scores, and thin credit files - **Week‑one adoption**: **10x** growth over pilot in week one ## The problem Cleo set out to solve Most budget and coaching tools stop at advice – Cleo wanted better financial outcomes for their users. To deliver on creating Debt Reset, Cleo needed: 1. **Ease of onboarding users: **fast, reliable connectivity to liabilities without credentials 2. **Complete coverage:** of up-to-date liabilities across a diverse user base 3. **Updated data:** Build trust as financial hub and deliver dynamic payoff strategies 4. **Easy implementation:** the ability to test before rolling out a full implementation 5. **Dedicated team: **to build and partner with on future roadmap ## What Cleo built with Method **Debt Reset** is Cleo’s premium subscription feature that turns real-time liability data into an actionable payoff plan. Members see every eligible debt in one place, pick a strategy, and follow a monthly schedule that updates automatically. Method’s financial connectivity and real-time data powers: **One tap to see all debt.** Users opt in, authenticate, and Cleo fetches their accounts through Method. Balances, interest rates, next payment dates, and total open debts appear inside a friendly Debt tracker. **Personalized payoff strategy. **Cleo labels each liability as high, medium, or low interest. Users select their payoff strategy: snowball or avalanche. The app generates a month-by-month plan with a projected debt-free date and interest saved. **Orchestrated flow and data sync.** Method’s APIs handle user connectivity and up-to-date data so Cleo can focus on UX, voice, and coaching. ## Under the hood: the hard parts Launching at Cleo’s scale required serious data work. **Enriched data to expand user coverage**: Cleo serves many users who are newer to managing debt. Method worked hand-in-hands with Cleo to make the experience feel simple by supplying Cleo clean, categorized liabilities details that are up-to-date. That lets Cleo show their users *all debts* at a glance, label payoff priorities in plain language, and keep the payoff plan current without extra steps. ## Early results Seven days in, engagement exceeded internal targets. Usage has continued to scale as Cleo rolls out notifications and in‑app prompts. - **10x** growth over pilot in week one - **60% of eligible Cleo **users engaged with Debt Reset week 1 - **80%+** happy‑path eligibility for payoff planning - Won [Money2020 Grand Prix Award](https://www.linkedin.com/posts/cleo-ai_weve-been-racking-up-the-awards-in-2025-activity-7389312559788478465-8p_3?utm_source=share&utm_medium=member_desktop&rcm=ACoAAAKb0qwBUEeHCn9kBXAIN4q6C8nDG-qT4sg) for AI Innovation Strong leading indicators for retention and value expansion within Cleo’s subscription tiers. ## Why it matters For Cleo, utilizing Methods composable API’s means they were able to: - **Activate users **instantly by pre-filling dashboards with liability data — just a name and phone number unlocks visibility across all accounts - **Engage users **with actionable insights from fresh liability data spanning credit cards, personal loans, auto, and more - **Retain users **with data that automatically stays up-to-date, keeping coaching tools and progress bars accurate - **Monetize **premium features like Debt Reset into higher subscription tiers **For end users,** it means less guesswork, more confidence, and a clearer path to zero debt. ## What's next We are exploring with Cleo: - **Direct debt payments** from the app to the liability - **Credit score insights** tied to payoff progress - **Deeper coaching prompts** that react to real changes in balances and due dates - **More debt insights** through Method attributes on credit utilization, new accounts, and delinquencies Each step makes the plan more trustworthy and the experience more rewarding. ## Cleo’s #BuiltWithMethod Advantage - **Instant & continuous connectivity: **liability data with just a name and phone number - **Real-time accuracy: **liability data that stays current without extra steps - **Breadth of coverage: **spanning credit cards, personal loans, auto, and more - **Dedicated partnership:** a team that sprinted with Cleo across product, data, engineering, and CS to hit launch day. Cleo x Method was a true village effort. Shoutout to the teams across product, data, engineering, and CS who sprinted through extended data categorization, QA, and launch support. ## Want to build your own Debt Reset? If you want to ship a debt payoff experience, let’s talk. [**Book a demo today**](https://methodfi.com/book-a-demo). ### We have more inspiring stories for you [Consumer Lending Aven Transforms Home Equity Access with Instant Balance Transfers](./aven-transforms-home-equity-access-with-instant-balance-transfers) [Personal Finance Launching Automatic Debt Payoff: What Ditch Built with Method](./ditch) [Consumer Lending SoFi Scales Direct Pay with Method: $1B+ in Loan Payoffs](./sofi) ## Embed financial connectivity in weeks, not months Offer the right financial products and design engaging experiences while we take care of the evolving connectivity infrastructure. [Book a demo](../book-a-demo) # Figure Source: https://methodfi.com/customers/figure [Customer Stories](../resources/customer-stories) [Book a demo] ### Figure Unlocked 2x Funded Conversion with Method ###### Figure Figure is financial technology company that provides efficient, transparent lending and capital markets solutions, Industry Consumer Lending Website [figure.com](https://www.figure.com/) Products used, Connect, Data, Pay, Number of employees, 201-500 ## Results since integrating Method ##### 3% increase in total pre-approved HELOC offer volume ##### 2x higher funded conversion for direct pay borrowers ##### 11% boost in HELOC loan value for direct pay borrowers ##### 50%↓ in D60 lower 60-day delinquency rates for direct pay borrowers ## Impact of Method Implementation - Grew total pre-approved HELOC offer volume by 3% - Boosted HELOC loan value by 11% for direct pay borrowers - Saw \~2x higher funded conversion for direct pay borrowers - Increased follow-on lending by 50% - Direct pay borrowers show 50% lower 60-day delinquency rates - Average direct pay borrowers lowered monthly payments by $504 and improved their FICO scores by 21.6 points\ > Before integrating Method, our underwriting approach was intentionally conservative. While we knew that many borrowers used Figure to reduce their debt load, we were limited in our ability to verify that their existing debts were actually being repaid—so we couldn’t approve them based on that intent alone. As a result, those borrowers didn’t receive credit for those efforts in our underwriting models. Incorporating Method into our application changed that. As a result, we increased eligibility, larger average loan sizes, stronger conversion, and ultimately better outcomes for both borrowers, Figure, and our investors. *— Brad Mears, Director of Product Management at Figure* ## About Figure Figure Technology Solutions (Figure) was established in 2018. It is a blockchain-based technology platform enhancing efficiency and transparency in financial services. Figure was founded by former SoFi executives who noticed mortgage customers were taking out unsecured high-interest personal loans for debt consolidation when they could instead tap into their home equity to consolidate debt at a lower cost of capital. Figure built a digitally native home equity line of credit (HELOC) origination solution to address this need and help lenders do the same. Today, Figure is the largest non-bank originator of HELOCs. The Company embeds its HELOC into more than 150 partners including lenders, home builders, banks, credit unions, and other financing institutions and also offers its products directly to consumers. With Figure, homeowners can receive approval for a HELOC in as fast as five minutes and receive funding in as few as five days. Figure Connect, the company’s blockchain-based marketplace, connects loan originators and buyers, creating the first highly liquid private capital marketplace for loans. It’s powered by the Provenance Blockchain, which onboards all of Figure’s loans, and is the world’s largest originator of Real World Assets. ### Challenge In 2021, after the onset of the Covid-19 pandemic, Figure executives saw a growing opportunity to help more users pay down high-interest debt. Figure needed a seamless way to access accurate liability data, especially for unsecured loans and high-interest credit cards where credit reporting data could be up to 30 days stale, in order to provide prequalified offers sooner. By providing offers immediately after authentication, Figure gave itself and its private label business partners a competitive edge. Figure also wanted to integrate a digital debt repayment option into its user flows and loan decisioning. If an applicant committed to paying down debt with their loan proceeds, Figure could reduce their debt-to-income (DTI) ratio, increasing loan eligibility. Second, Figure could guarantee the debt was paid off through Method’s repayment rails. Partnering helped Figure avoid the time and cost of standing up a PCI compliant debt repayment operation. Figure needed a comprehensive, turnkey solution to address several critical needs: - Surfacing near real-time balances for liabilities including unsecured debt - Building repayment commitments into loan decisioning and presenting offers early in the application process - Initiating debt repayment within seconds of offer acceptance - Maintaining a seamless application flow without adding friction - Avoiding operational and compliance overhead associating with managing payments Figure conducted a thorough due diligence process before selecting a partner. While several API providers could address one or two key priorities, they required applicants to manually input account details—adding friction and reducing conversion rates. Method was the only provider that could deliver all the functionality Figure required. > We were considering traditional players as well as newer fintechs, but Method gave us an all-encompassing suite of products that we could use for instantaneous liability identification and low friction repayment, all with minimal technical integration lift. *— Brad Mears, Director of Product Management at Figure* ## Solution Figure seamlessly integrated Method’s APIs into its user flows. Method’s intuitive documentation helped Figure engineers easily incorporate direct repayments. The first integration phase was completed in 3 months, and Figure can now onboard its partners in less than a week. The integration caused a dramatic, immediate impact. Today, 9% of all funded HELOC volume includes at least 1 direct creditor repayment. ### Grew volume of all HELOC offers by 3% With Intellidebt, powered by Method, Figure applicants can pre-select debts for payoff, before Figure calculates their DTI. This has materially increased the number of eligible applicants without changing Figure’s underwriting criteria. Repayment certainty also allows Figure to issue loans with a higher lien position. Since integrating Method’s APIs, Figure’s total volume of pre-approved HELOC offers has increased by 3%. ### Increased median direct pay HELOC value by 11% Borrowers who choose to reduce their DTI with debt repayment can unlock more favorable loan terms including lower interest rates, reduced fees, and smaller monthly payments. Some applicants also qualify for higher loan amounts. The median HELOC value of Intellidebt borrowers is 11% higher than baseline. ### Higher direct pay funded conversion rates by 2X Expanded eligibility and larger, more personalized offers have contributed to higher conversion rates for Figure. Figure presents eligible users with compelling offers by the second screen of the application flow, as soon as they share their name and phone number–a feat only achievable with Method. Users see exactly how much they’ll save each month by paying off specific debts, like a credit card balance or personal loan. The funded conversion rate for Intellidebt HELOCs is 2x higher than baseline. ### Lower D60 delinquency rates by 50% for direct pay When borrowers use Intellidebt, Figure reduces risk by lowering DTI, improving lien position, and reducing the loan-to-value (LTV) ratio. Among borrowers who opt into Intellidebt, Figure is seeing 50% lower 60-day delinquency rates within the first six months after origination compared to loans without direct pay. This improvement in portfolio quality can also increase secondary market attractiveness by creating a lower-risk asset. ### Reduced monthly payments and lifted borrower FICO scores by 21.6 points The average Intellidebt borrower's FICO score rises by 21.6 points within the first month of funding. With a starting FICO of 726, these borrowers are already prime, but even a 20+ point lift unlocks meaningfully better borrowing opportunities. By helping borrowers more easily tackle high-interest debt, Intellidebt borrowers saw their average monthly debt payment go down by $504. ### Increased follow-on lending by 50% With direct pay, borrowers can take advantage of lower rates due to improved credit scores and macroeconomics factors. This has increased lifetime value, allowing Figure to target refinances of the HELOCs they service. Figure has increased follow-on lending by 50% after integration Method’s APIs. ### Eliminating in-house payment operations for disbursements Figure has also streamlined operations and reduced compliance overhead by leveraging Method’s direct repayment functionality. Method manages the sponsor bank relationship, obviates the need for PCI compliance, and handles payment operations. Method also adheres to all federal GLBA and state privacy regulations. ### Serving 300+ partners via white label business Figure began as a business-to-consumer lender. In 2021, as interest rates rose, the company began offering a white label HELOC origination solution to financial institutions. This business, which now represents 76% of loan volume, continues to grow. One key differentiating factor has been higher conversion rates driven by prequalified offers. Today, Figure’s extensive network of partners leverage Intellidebt to help their customers qualify for HELOCs and to provide more favorable loan terms. Loan officers use Figure to help customers refinance high-interest HELOCs. Partners can go live with Figure’s Intellidebt in less than 1 week. ### What’s next for Figure? Since launch Figure has enabled more than 18,000 users to perform direct repayments, facilitating $650M in high interest rate debt consolidations. With the release of Intellidebt 4.0. Figure adds the ability to pay off other mortgages and serve as a full cash-out refi alternative. With these new features, borrowers can now pay off and consolidate more types of debt, including secured mortgages, credit cards, personal loans, auto loans, and home improvement loans. To learn more about how you can increase conversion like Figure, [book a demo](https://mthd.fi/figurexmethod) with our team. ### We have more inspiring stories for you [Consumer Lending Aven Transforms Home Equity Access with Instant Balance Transfers](./aven-transforms-home-equity-access-with-instant-balance-transfers) [Personal Finance Launching Automatic Debt Payoff: What Ditch Built with Method](./ditch) [Personal Finance Launching Debt Reset: What Cleo Built With Method](./cleo) ## Embed financial connectivity in weeks, not months Offer the right financial products and design engaging experiences while we take care of the evolving connectivity infrastructure. [Book a demo](../book-a-demo) # Flexcar Source: https://methodfi.com/customers/flexcar [Customer Stories](../resources/customer-stories) [Book a demo] ### Expanded Eligibility for Flexible Car Leases ###### Flexcar Flexcar makes car ownership more affordable and flexible by offering a hassle-free alternative to traditional leasing. Industry Auto Lenders Website [flexcar.com](https://www.flexcar.com/) Products used, Connect, Data, Number of employees, 201-500 ## Results since integrating Method ##### 14% increase in loan approval rates ##### 20% reduction in bad outcomes Flexcar's mission is to make car ownership more affordable and flexible by offering a hassle-free alternative to traditional leasing. They provide a zero-down, month-to-month option with no long-term commitment. Flexcar’s membership covers essentials like insurance, maintenance, and roadside assistance, making driving stress-free and convenient for qualified customers.\ > *Method provides an excellent partnership that allows us to give the best outcome to our customers. The team is highly responsive and disciplined on data quality and compliance, a great fit for any customer data needs.\ \ *– Michael Zambrano, VP of Risk at Flexcar ## Objective Before partnering with Method, Flexcar faced the challenge of qualifying as many applicants as possible while adequately managing risk. Their primary concern was assessing factors like ability to pay, potential for delinquency, and repossession. To enhance their underwriting process and capture all eligible borrowers, Flexcar sought better data to assess a potential borrower’s debt profile, including credit, auto loans, mortgages, and student loans, and determine if there were any negative outcomes, like repossessions or charge-offs. ## Approach **One auth to connect all liability accounts:** Method helps Flexcar bridge the gap in traditional underwriting by providing access to critical financial data needed to assess consumer eligibility. Method’s APIs are redefining financial connectivity with real-time, read-write, and frictionless access to all consumer liability data using over 200 integrations with more than 15,000 financial institutions. With a one-time identity-based authentication, and—most importantly—consent, Method can instantly identify every single credit line in someone’s name. **Enriched real-time data:** Method’s approach allows companies like Flexcar to stream high-fidelity data and pull real-time balance information and other factors critical for underwriting, such as delinquent statuses, key dates, credit limits, and minimum payments. Thanks to Method's robust and reliable APIs, Flexcar now receives real-time financial information for 100% of applicants, with no downtime or gaps in data. Flexcar can thus gain a clearer view of a potential borrower’s financial health and more accurately assess their eligibility. **Increased favorable outcomes:** With this enriched data, Flexcar can now approve more applicants by "rescuing" those without qualitatively bad indicators like repossessions or charge-offs. Without this real-time, high-fidelity data from Method, many creditworthy borrowers would be denied. Method’s mission of enabling consumer-permissioned data for favorable lending outcomes ensures that borrowers in need of a vehicle can lease with Flexcar while aligning with the company's business goals and risk tolerance. ## Impact of Partnership Flexcar’s partnership with Method has already made a significant positive impact, providing account connectivity to tens of thousands of Americans to help qualify more consumers and set the terms of the lease. By leveraging Method's APIs, Flexcar has been able to confidently increase the percentage of approved applicants by 14%, without increasing default rates or adding friction to the customer experience, allowing more consumers who need a vehicle to obtain one. This partnership has also prevented defaults and losses, contributing to the sustainability of Flexcar’s operations. Flexcar estimates that using Method enables them to efficiently reduce bad outcomes by nearly 20% while only reducing potential order volume by a fraction of that percentage. Overall, the partnership has streamlined the approval process for Flexcar, and ultimately contributed to better customer satisfaction and reach as Flexcar transforms the $110 billion car leasing industry. ## About Flexcar Flexcar empowers all walks of life the flexibility to have a car of their own without the hassles of traditional car ownership. Convenient and affordable, Flexcar is here to disrupt a 110 Billion dollar industry by providing customers a better alternative to car ownership. Visit [flexcar.com](https://www.flexcar.com/) to learn more. ## About Method Financial Method’s APIs are redefining financial connectivity with real-time, read-write, and frictionless access to all consumer liability data with integrated payment rails. Method helps lenders increase revenue by streamlining customer acquisition, improving underwriting accuracy, and increasing line utilization through balance transfers, all without the need for a consumer’s username and password. Today, Method powers solutions for over 60 fintechs, lenders, and FIs including Aven, Bilt Rewards, SoFi, PenFed and Figure. Method is backed by a16z, Abstract Ventures, YC, Truist Ventures, and more. ### We have more inspiring stories for you [Consumer Lending Aven Transforms Home Equity Access with Instant Balance Transfers](./aven-transforms-home-equity-access-with-instant-balance-transfers) [Personal Finance Launching Automatic Debt Payoff: What Ditch Built with Method](./ditch) [Personal Finance Launching Debt Reset: What Cleo Built With Method](./cleo) ## Embed financial connectivity in weeks, not months Offer the right financial products and design engaging experiences while we take care of the evolving connectivity infrastructure. [Book a demo](../book-a-demo) # Vola Source: https://methodfi.com/customers/vola [Customer Stories](../resources/customer-stories) [Book a demo] ### Powering Better Credit Health ###### Vola Vola enhances financial literacy and inclusion for the underbanked, offering innovative solutions to help them manage their finances more effectively Industry Personal Finance Website [volafinance.com](https://www.volafinance.com/) Products used, Connect, Data, Number of employees, 11-50 ## Results since integrating Method ##### 50% more time spent on the Vola app ##### 10x increase in Loan Dashboard users ##### 31 avg. point increase in credit scores Vola’s mission is to act as a trusted financial partner, helping users stay ahead of their expenses and avoid costly fees by breaking down spending patterns to support better budgeting and smarter ways to save while helping users boost their credit scores. > *Leveraging Method's real-time data capabilities, Vola is able to help users meet their loan obligations and improve their credit scores. With Method, we can give users critical financial insights, such as upcoming payment amounts and their true annual cost of borrowing.\ \ *– Tushar Bagamane, CEO at Vola ## Objective Vola empowers users—especially those underserved by traditional financial providers—to take control of their finances by addressing key challenges like overdraft fees, predatory loans, and credit invisibility. Through accessible budgeting and expense tracking tools, Vola helps users predict potential cash shortfalls and manage obligations before they arise. Vola provides cash advances as part of a low-cost monthly subscription, with no added interest. This approach has resonated with users, attracting over a million sign-ups, with 30% converting to monthly memberships, a testament to the support Vola provides. To further their user support, Vola wanted to build out a Loan Dashboard feature, to offer resources to help users navigate debt obligations in real-time, improve their credit scores, and make informed financial decisions for long-term financial well-being. To build this feature, Vola needed a comprehensive view of each user’s loans, including details like outstanding balances, payment dates, and loan terms. This need prompted Vola’s collaboration with Method, leveraging consumer permissioned financial data to enhance these services. ## Approach While many personal finance management (PFM) tools rely on credit reports to provide credit-building insights to users, Vola sought comprehensive, real-time data to power tailored recommendations, as credit reports often lag by as much as 60 days. Vola needed a way to pull real-time liability data, including a user’s income, interest rates, balances, and payment amounts for credit cards, personal loans, student loans, and auto loans. To accomplish this, Vola leverages Method's real-time data connectivity tools. **One auth to connect all liability accounts:** Method helps users connect their financial accounts quickly and easily, providing a comprehensive view of all outstanding loans and debts. Method’s innovative approach uses identity-based authentication and consumer consent instead of usernames and passwords for a truly frictionless experience. Users can easily gain real-time access to essential loan details, such as balances, payment due dates, terms, and interest rates, all consolidated in one place. **Comprehensive view and stable connectivity:** Method plays a crucial role in empowering Vola users with a detailed and accurate understanding of their debt obligations through the Loan Dashboard. This clear overview and ongoing connectivity allows Vola users to stay organized and proactive in managing their debt and keeps their true annual cost of borrowing front and center. Users can also track when payments are due and understand how various factors impact their credit health, making it easier to plan their finances and avoid missed payments. **Increased user engagement:** By simplifying debt management and increasing transparency, Method enhances the effectiveness of Vola’s Loan Dashboard, ultimately supporting users' journeys toward financial well-being and improved credit scores. Not only does Method’s data connectivity tools help users accomplish their financial goals, it also deepens user engagement with the full suite of Vola’s personal financial tools, even as a user’s goals or financial situation evolves. ## Impact of Partnership In just six months, Vola has experienced remarkable growth with Method, connecting over 20,000 users and 200,000 accounts, achieving a 10X increase in Loan Dashboard users. Users who leverage Method’s data integration with the Loan Dashboard feature spend over 50% longer on the Vola app and open the app approximately 20% more often. Among its user base, Vola has seen an average credit score improvement of 31 points, driving meaningful advancements in user financial health. In the future, Vola users will be able to manage payments on common recurring bills like credit cards, student loans, and mortgages from within the Loan Dashboard. In-app payment capabilities will allow users to take actions on the unified insights and improve their financial health faster. Thanks to the Method and Vola partnership, users will benefit from debt stack visibility and empowered action – a powerful combination for financial wellness. ## About Vola Vola is dedicated to enhancing financial literacy and inclusion for the underbanked, offering innovative solutions to help users manage their finances more effectively. With a mission to be a trusted financial partner, Vola provides up to $500 in no-interest cash advances to help users avoid overdrafts and cover shortfalls before their bank balance drops too low. The platform offers low-balance alerts, spending tracking, and personalized budgeting tools to help users stay on top of their expenses. For more information, visit [volafinance.com](https://www.volafinance.com/). ## About Method Financial Method’s APIs are redefining financial connectivity with real-time, read-write, and frictionless access to all consumer liability data with integrated payment rails. Method helps lenders increase revenue by streamlining customer acquisition, improving underwriting accuracy, and increasing line utilization through balance transfers, all without the need for a consumer’s username and password. Today, Method powers solutions for over 60 fintechs, lenders, and FIs including Aven, Bilt Rewards, SoFi, and Figure. Method is backed by a16z, Abstract Ventures, YC, Truist Ventures, and more. ### We have more inspiring stories for you [Consumer Lending Aven Transforms Home Equity Access with Instant Balance Transfers](./aven-transforms-home-equity-access-with-instant-balance-transfers) [Personal Finance Launching Automatic Debt Payoff: What Ditch Built with Method](./ditch) [Personal Finance Launching Debt Reset: What Cleo Built With Method](./cleo) ## Embed financial connectivity in weeks, not months Offer the right financial products and design engaging experiences while we take care of the evolving connectivity infrastructure. [Book a demo](../book-a-demo) # Ditch Source: https://methodfi.com/customers/ditch [Customer Stories](../resources/customer-stories) [Book a demo] ### Launching Automatic Debt Payoff: What Ditch Built with Method ###### Ditch Ditch is the first consumer AI app built to automate debt freedom. Industry Personal Finance Website [https://www.ditch.io/](https://www.ditch.io/about) Products used, Connect, Data, Pay, Number of employees, 2-10 ## Results since integrating Method ##### $3M+ in debt paid off across 100 financial institutions ##### 20× growth in monthly payments volume over the past year ##### 85% month over month retention ## Ditch believes debt repayment should be easy Ditch is a personal finance app built to make paying down debt simple and automatic. Instead of asking users to manually move money or remember due dates, Ditch uses AI-powered coaching, automatic round-ups, and behavioral design to help users make progress without guilt, decision fatigue, or friction. With Method, Ditch turned that vision into an end-to-end in-app experience, so users can connect their debts, see what they owe, and make repeat payments without leaving Ditch. The result is a workflow that builds trust: **85% of users keep coming back** to make small payments consistently, and those small actions add up over time. ## Key launch facts - **Product:** Debt dashboard + embedded payments - **Go-live:** October 2023 - **Focus:** Make debt payoff feel effortless through small, automatic payments - **Adoption:** Scaled from \~100 users at launch to supporting \~30,000 users today ## The problem Ditch set out to solve Before integrating Method, Ditch users ran into a familiar challenge: taking action required too many steps. To support automatic debt repayment (including applying small dollar amounts and round-ups) users needed to manually connect multiple credit cards and loans. Each additional step increased friction and led to drop-off before users could see progress. Without a simple way to handle both account linking and payments in one place, consistent adoption was hard to achieve. Users fell back on manual tracking, outdated data, or switching between portals to make payments. The issue wasn’t interest or intent. Users wanted a more automatic way to pay down debt. Ditch didn’t need more insights or tracking — it needed a reliable way to handle connectivity and payments so repayment could happen quietly in the background. ## What Ditch built with Method With Method, Ditch built a debt management experience designed to help users keep repayment simple, repeatable, and embedded inside the app. The experience starts when a user links their liability accounts through Method's embedded UX, [Opal](../blog/introducing-opal). Once connected, Method brings together credit cards, personal loans, and student debt into one unified view, with current balances, interest rates, and payment due dates. From there, Ditch’s product experience guides users to prioritize debts, and Method enables payments to those liabilities directly from within Ditch. Over time, those small payments add up: the average user makes a **\~$35 payment 4 times a month** - all without logging into multiple banking portals or manually moving money. ## What the Ditch teams says > *“Partnering with Method was a no-brainer for us. Our goal at Ditch is to help users pay down debt faster and with confidence, but to do that, we needed reliable access to real-time liability data and a seamless way to move payments. Method gives us both — allowing us to automate repayment and deliver a simpler, more transparent experience for our users.”* ## Under the hood: the hard parts Method's connectivity, real-time liability data, and embedded payments are the foundation of Ditch's repayment experience: - **Instant account linking** – users connect credit cards, personal loans, and student debt in seconds through Method's frictionless onboarding - **Real-time balance updates** – liability data refreshes automatically, eliminating reliance on outdated credit reports - **Embedded payment rails** – users can pay any connected liability directly from Ditch, with no need to leave the app or log into multiple portals - **Complete coverage** – Method's network spans 15,000+ financial institutions, ensuring users can see and pay virtually any debt Behind the scenes, Ditch and Method's engineering and customer success teams collaborated to refine the user flow, ensure payment reliability, and scale the infrastructure from pilot to production—growing from roughly 100 users at launch to 30,000 today. ## Early results Since launching with Method, Ditch has: - Processed **$3M+** in debt payments - **$1.9M** toward credit card debt - **$200K** toward student loans - **$80K** toward auto loans - Grown to **12k+ monthly payments** - Maintained **85% month-over-month payment retention** But the numbers only tell part of the story. Ditch has become something rare in personal finance: a product users genuinely love. Users aren't just trying Ditch; they're staying. And they're vocal about it. Over 30 organic, unprompted testimonials have appeared on TikTok from users celebrating their progress, with common themes like: - “It just happens.” - “I finally feel in control.” - “This makes debt feel possible.” ## What users are saying **From the App Store:** > “This app has been so helpful as a place to start paying off my debt. I was too overwhelmed to start, but this made it simple to pay it off little by little.” “This makes it so easy to pay down debt without thinking about it. I’ve paid off three credit cards using small amounts of money I don’t miss.” **From TikTok (Maria Armas):** > “I downloaded Ditch back in March, and it’s helped me pay off $3,200 so far. I didn’t even feel the money coming out of my account.” ## What's next Ditch is expanding its partnership with Method to build comprehensive debt planning and balance tracking, along with AI-driven repayment adjustments that adapt as user behavior and financial conditions change. The goal is simple: make debt freedom not just possible, but inevitable. ## Ditch’s #BuiltWithMethod Advantage - End-to-end in-app debt experience - Real-time liability coverage - Automatic repayment that runs in the background - Trusted infrastructure across **15,000+ financial institutions** Watch Ditch and Method talk about what it took to build and what surprised Luis along the way in DitchxMethod's episode of [Inside the Build.](https://methodfi.com/ditch-method) ## Want to build your own automatic debt repayment experience? If you want to ship a debt payoff experience, let’s talk. [**Book a demo today**](https://methodfi.com/book-a-demo). ### We have more inspiring stories for you [Consumer Lending Aven Transforms Home Equity Access with Instant Balance Transfers](./aven-transforms-home-equity-access-with-instant-balance-transfers) [Personal Finance Launching Debt Reset: What Cleo Built With Method](./cleo) [Consumer Lending SoFi Scales Direct Pay with Method: $1B+ in Loan Payoffs](./sofi) ## Embed financial connectivity in weeks, not months Offer the right financial products and design engaging experiences while we take care of the evolving connectivity infrastructure. [Book a demo](../book-a-demo) # Clutch Source: https://methodfi.com/customers/clutch [Customer Stories](../resources/customer-stories) [Book a demo] ### Driving Cross-sell Opportunities for Credit Unions ###### Clutch Clutch builds loan applications and recapture portals for credit unions through intelligent and highly converting user experiences. Industry Credit Unions Website [withclutch.com](https://www.withclutch.com/) Products used, Connect, Data, Pay, Number of employees, 51-200 ## Results since integrating Method ##### $300M in loans originated by credit union customers ##### 70% decrease in loan funding time ##### 200% improvement in cross-sell with better segmentation Clutch, a state-of-the art digital lending solution for Credit Unions, faced time-consuming and expensive challenges building the infrastructure to offer, transfer and refinance consumer loan products. By working with Method, Clutch has helped Credit Unions originate over $300M in funded loan volume across 50k+ members. > *‍Partnering with Method provides a detailed and real-time view of individual consumer debt, which allows Credit Unions to better identify cross-sell and consolidation opportunities. Clients are already seeing a lift in refinance applications, resulting in significant growth across the consumer lending business.\ \ – Nicholas Hinrichsen, Clutch CEO* Method’s APIs: Clutch partnered with Method to provide a real-time account balance view for Credit Unions, enabling them to electronically pay-off existing debt for Credit Union members at the time of loan origination. Method’s real-time data APIs provide a comprehensive view of the consumer debt stack including what interest each consumer is paying on each of their credit lines, allowing Credit Unions to: - Provide targeted pre-qualified offers at the time of loan origination or refinancing - Better segment users - Cross-sell relevant credit products - Access accurate balances for **Consolidation loans** and **Direct electronic payoffs** ## Objective Improve Credit Union cross-sell opportunities for new loan products. ## Approach Pre-qualify members for debt consolidation and display all of the applicable loan products in an easy-to-compare user interface, based on CU rate sheets and consumer credit reports. ## Benefits for Credit Unions - Real-time view of all liability for the consumer (Credit report does not give current snapshot) - Real-time balances, including funding institutions and rates - Personalized offers that often lead to higher funded loan volume - Massive ability to cross-sell a card or debt consolidation products ## Benefits for Credit Union Members - Drastically reduce user loan application and funded time. Credit Union Members are prequalified for accurate offers based on the current balances on their debt stack. Additionally, can decrease the loan funding time up to 70%. - Streamlined electronic payoff and disbursement improve member experience: Allow members to transfer balances from their existing cards at other financial institutions via an easy-to-use interface that displays their live card balances. - Discover new products and offers that help users save on interests and fees by switching to financially healthy products. > *North of 15% of our credit card applicants submit a refinance application. We’re already seeing the lift and we’re barely scratching the surface.\ \ – Mia Lao, VP of Consumer Lending at Wings Financial* ## Statistically Speaking **Increase Conversions**: Nearly 1 in 2 applicants where Method surfaced high credit card debt successfully secured pre-approved debt-consolidation or a new credit card loan product. **Automate Cross-sell Opportunities**: Better segmentation & targeting improves cross-sell rates by up to 200%. **Improved remarketing**: Target consumers with the right message at the right time. CU’s have been able to carefully retarget members with high credit card balances rather than “spray and pray” methods. **Reduce Operating Expenses:** - Can reduce workloads up to 75% for loan officers & related staff - Disburse funds directly to existing lenders - Receive ready-to-fund applications directly in your Loan Origination System (LOS), complete with an ACH file - Pay off their existing balances electronically, often in real-time, if they complete a balance transfer request Together, Clutch and Method are working to create the most frictionless debt consolidation and balance transfer experience that the Credit Union industry has seen. ## About Clutch Clutch builds loan applications and recapture portals for Credit Unions through intelligent and highly converting user experiences. Using integrated third party data sources, Clutch discovers debt their user’s applicants have elsewhere in real-time, resulting in an increased share of wallet for their users and thousands of dollars saved for their respective applicants. To learn more, visit [withclutch.com](https://www.withclutch.com/). ## About Method Financial Method’s APIs are redefining financial connectivity with real-time, read-write, and frictionless access to all consumer liability data with integrated payment rails. Method helps lenders increase revenue by streamlining customer acquisition, improving underwriting accuracy, and increasing line utilization through balance transfers, all without the need for a consumer’s username and password. Today, Method powers solutions for over 60 fintechs, lenders, and FIs including Aven, Bilt, Upgrade, and Figure. Method is backed by a16z, Abstract Ventures, YC, Truist Ventures, and more. To learn more, visit [methodfi.com](https://methodfi.com/). ### We have more inspiring stories for you [Consumer Lending Aven Transforms Home Equity Access with Instant Balance Transfers](./aven-transforms-home-equity-access-with-instant-balance-transfers) [Personal Finance Launching Automatic Debt Payoff: What Ditch Built with Method](./ditch) [Personal Finance Launching Debt Reset: What Cleo Built With Method](./cleo) ## Embed financial connectivity in weeks, not months Offer the right financial products and design engaging experiences while we take care of the evolving connectivity infrastructure. [Book a demo](../book-a-demo) # Sequence Source: https://methodfi.com/customers/sequence [Customer Stories](../resources/customer-stories) [Book a demo] ### The First Personal Financial Router ###### Sequence Sequence enables consumers to visualize their money flow, set smart routing rules and control it all from one single, powerful platform. Industry Personal Finance Website [getsequence.io](https://www.getsequence.io/) Products used, Connect, Data, Pay, Number of employees, 11-50 The average American has 15 different places where his or her money lives. Consumers have [$1.6 billion in Starbucks gift cards](https://www.fool.com/the-ascent/banks/articles/this-is-the-worst-bank-in-the-world-according-to-wall-street-expert-vivian-tu/#:~:text=Although%20Starbucks%20isn't%20technically,gift%20card%20balances%20in%202022.) alone – a free loan to the coffee company at 0% interest. The degree of fragmentation makes it very difficult to optimize personal finances. This is especially true in a high interest rate environment, where getting money to an interest bearing account sooner rather than later has a big impact on money earned.‍ Sequence is solving the gap in the market for a Personal Finance Manager (PFM) that allows users to automate money flows based on conditional criteria in a visual and intuitive way. Existing PFMs have tackled the first part of the challenge: allowing users to see all of their assets and liabilities in one place. However, the vast majority fall short of enabling seamless money movement. And the fixed automations available through traditional financial institutions (e.g., “transfer $500 to my high yield savings account from checking) get consumers into trouble when account balances fluctuate. > *‍Through its partnership with Method, Sequence has built the first of its kind finance router. Method’s APIs show users their real-time debt balances and enable automated payments, which they set using Sequence’s smart routing rules.\ \ *– Gilad Uziely, CEO of Sequence ## Objective Sequence’s goal is to enable users to visualize their money flow, set smart routing rules and execute complex financial strategies all from one single, powerful platform. With Sequence, users save time by automating conditional logic to move their money in accordance with their financial strategy and goals. This optimization in turn allows them to gain money, by allocating the optimal amount of funds to debt paydown, high yield savings, or investment opportunities. ## Approach To provide this degree of customizable control over financial flows, Sequence needed to build a visual router for money movement. By connecting all financial accounts, Sequence allows users to view how their finances are distributed across all accounts with a dynamic money map. The platform provides live updates on where balances stand and full control of exactly how much of the user's income goes where. These smart rules are automated using IF statements, perfect for "fingeeks," who want highly optimized money flows, as well as less engaged users, who want to "set it and forget it." Method provides the underlying technology architecture behind user onboarding, real-time balances, and payment for liabilities. Method’s [Liabilities Data API](https://methodfi.com/products/data) delivers the real-time, consolidated view of all debt for users, while the [Liabilities Payment API](https://methodfi.com/products/debt-repayment) enables electronic payment to more than 15k financial institutions. ## Benefits for Sequence Users Sequence partnered with Method to create this one-of-a-kind financial router. - Onboarding: Users can verify their identity and seamlessly integrate all of their liability accounts without credentials, just PII - Real time data: Displaying a user's current balance across debts (mortgage, auto, student loans, credit cards) to help them set informed smart rules - Conditional payment triggers: Users can trigger transfers when funds come in, on a certain date, or when balances dip below or rise above a set threshold. - Rule-based payment amounts: Users can transfer amounts or percentages of balances. - Payment flexibility and control: Payment can be adhoc or recurring, intentional or automated. ## Impact Since its launch in late 2023, Sequence has connected over 13K accounts. Liability accounts accounted for more than 50% of this total, with a cumulative outstanding balance of over $50M. Users have set an average of 8.6 rules and made an average of 24 transactions per month. Within the first 60 days of using Sequence, users double their monthly account transfers, signifying greater financial optimization and control. > *People don’t optimize their money because it is emotionally overwhelming. Even when they make a plan, it is easy to forget. Sequence’s automation helps overcome that barrier. It helps people implement the logic and let the rules run their course, allowing users to benefit from the time value of money\ \ – *Jim Grace CFP ## About Sequence The average American juggles around 15 different accounts, including credit cards, loans, bank accounts, and fintech apps. This fragmentation of services has made it increasingly challenging to track, comprehend, manage, and optimize our financial lives. With Sequence, consumers and small business owners can have all their accounts in one place, create automations to boost savings, optimize finances, and automatically move money based on dates, balance status, and other criteria. Unlike other personal finance platforms, Sequence is actionable. You can execute your financial strategy directly from the platform, making it easier to stay on top of your finances and take control of your financial goals. To learn more, visit [getsequence.io](https://www.getsequence.io/). ## About Method Financial Method’s APIs are redefining financial connectivity with real-time, read-write, and frictionless access to all consumer liability data with integrated payment rails. Method helps lenders increase revenue by streamlining customer acquisition, improving underwriting accuracy, and increasing line utilization through balance transfers, all without the need for a consumer’s username and password. Today, Method powers solutions for over 60 fintechs, lenders, and FIs including Aven, Bilt, Upgrade, and Figure. Method is backed by a16z, Abstract Ventures, YC, Truist Ventures, and more. To learn more, visit [methodfi.com](https://methodfi.com/). ### We have more inspiring stories for you [Consumer Lending Aven Transforms Home Equity Access with Instant Balance Transfers](./aven-transforms-home-equity-access-with-instant-balance-transfers) [Personal Finance Launching Automatic Debt Payoff: What Ditch Built with Method](./ditch) [Personal Finance Launching Debt Reset: What Cleo Built With Method](./cleo) ## Embed financial connectivity in weeks, not months Offer the right financial products and design engaging experiences while we take care of the evolving connectivity infrastructure. [Book a demo](../book-a-demo) # Spritz Source: https://methodfi.com/customers/spritz [Customer Stories](../resources/customer-stories) [Book a demo] ### Enabling Cryptocurrency Bill Payment ###### Spritz Spritz Finance enables bill-pay for decentralized finance users directly through their crypto wallets with no bank required. Industry Personal Finance Website [spritz.finance](https://www.spritz.finance/) Products used, Connect, Data, Pay, Number of employees, 11-50 ## The Challenge Automated payments can improve consumer financial health, providing a convenient, secure way for users to pay their bills on time, avoid debt, and boost their credit score. Spritz Finance takes this a step further by allowing users to pay bills using cryptocurrency and their on-chain earnings through DeFi. While developing the initial version of the product, Spritz soon discovered challenges integrating and retrieving customer balance data and other liabilities. Automating bill pay posed some key challenges: - **Linking users’ bills & debt accounts. **Previously, users had to connect each of their individual financial accounts using a tedious credential-authorization method. In other words, they had to log into each one of their accounts to view balances and payment dates. Not only was this time-consuming for the user, but it made for a poor user experience leading to drop off and account connectability issues. - **Necessary banking partner agreement. **Spritz would need to acquire a standard banking partner agreement, set up FBO accounts and perform KYC verification for all users. This would shift the product launch timeline several months, hindering growth. - **Lengthy infrastructure building. **Developing the foundation needed to push money into a user’s account from each financial institution can be a lengthy and laborious process. Setting up these relationships and maintaining them requires a full team, increasing overhead costs. > *Method’s payment solution allowed Spritz to easily authenticate users and provide end-to-end digital payment options, helping users pay off their bills using cryptocurrency.\ \ – Chris Sheehan, Spritz CEO* ## The Solution Spritz spoke with a range of vendors in the market but felt that Method was the only one able to provide a seamless user debt stack view, authenticated with just the user’s phone number. Additionally, the Payments API provided true end-to-end digital payment orchestration without requiring any additional user input. Method allowed Spritz to retrieve all of a user’s existing liabilities using just the customer’s name and phone number. By connecting the company directly with top financial institutions, Spritz could retrieve real-time data straight from the source. Method continuously monitors for new user debts, notifying Spritz when new liabilities appear. In addition, Method provides on-demand access and nightly updates. Method’s value proposition of a turn-key solution was straightforward. Method’s Payments API: - **Simple debt-linking UX**. Method retrieved all bills and liabilities with just a user's phone number. - **Real time data & continuous access. **Method retrieves real-time data, including payoff amounts, due dates, and credit type, and notifies automatically when new bills or debts appear. - **Self-driving money**. Intelligently pay recurring bills on behalf of users at 5,000+ financial institutions, managing KYC with instant payment confirmation. The quick integration allowed Spritz Finance to provide a uniform seamless experience for easy and secure bill payment using digital assets and on-chain earnings. ## About Spritz Finance Spritz Finance enables bill-pay for decentralized finance users directly through their crypto wallets and with no bank required. Their goal is to connect TradFi to DeFi, making it easy to program crypto payments for real-world bills, from mortgage payments to credit card bills, and allowing users to automate their personal finances using their on-chain assets. Spritz Finance lets users choose how to fund payments, link their existing cryptocurrency wallets, and integrate all their bills seamlessly. To learn more, visit [spritz.finance](https://www.spritz.finance/). ## About Method Financial Method’s APIs are redefining financial connectivity with real-time, read-write, and frictionless access to all consumer liability data with integrated payment rails. Method helps lenders increase revenue by streamlining customer acquisition, improving underwriting accuracy, and increasing line utilization through balance transfers, all without the need for a consumer’s username and password. Today, Method powers solutions for over 60 fintechs, lenders, and FIs including Aven, Bilt, Upgrade, and Figure. Method is backed by a16z, Abstract Ventures, YC, Truist Ventures, and more. To learn more, visit [methodfi.com](https://methodfi.com/). ### We have more inspiring stories for you [Consumer Lending Aven Transforms Home Equity Access with Instant Balance Transfers](./aven-transforms-home-equity-access-with-instant-balance-transfers) [Personal Finance Launching Automatic Debt Payoff: What Ditch Built with Method](./ditch) [Personal Finance Launching Debt Reset: What Cleo Built With Method](./cleo) ## Embed financial connectivity in weeks, not months Offer the right financial products and design engaging experiences while we take care of the evolving connectivity infrastructure. [Book a demo](../book-a-demo) # Plannery Source: https://methodfi.com/customers/plannery [Customer Stories](../resources/customer-stories) [Book a demo] ### Tackling Debt for Healthcare Professionals ###### Plannery Plannery is a digital financial wellness platform for healthcare professionals. Industry Employer Benefits Website [planneryapp.com](https://www.planneryapp.com/) Products used, Connect, Data, Pay, Number of employees, 2-10 Healthcare professionals and first responders dedicate themselves to the wellbeing of others on a daily basis. However, they often find themselves grappling with significant financial challenges, having accumulated substantial credit card and student loan debt while pursuing their education, which subsequently hampers their access to essential financial resources and services upon graduation. Plannery alleviates the financial burdens of healthcare professionals through a dedicated financial wellness platform tailored specifically to their needs. Their platform expedites the journey to financial freedom with a comprehensive range of resources designed to reduce and eliminate debt. > *Through Method, Plannery has unlocked realtime, precise insights into applicant debt profiles, allowing us to showcase tangible savings and maximize conversions.\ \ – Andrew First, CTO and Co-Founder* ## Objective Plannery aimed to tackle financial debt obstacles by building payroll-linked products and a debt assistance program to help providers who may not otherwise have access to or qualify for those tools, including debt consolidation and student loan forgiveness programs. They serve with the mission of improving financial outcomes for our 20 million healthcare professionals. ## Approach The team recognized that to create a fully functional financial wellness dashboard, they needed a solution that could seamlessly access and consolidate real-time liability data while integrating payment rails. This endeavor required specific real-time data points, including interest rates, balances, and payment amounts for credit cards and personal loans, all with the ultimate aim of providing healthcare workers with a comprehensive suite of financial tools and resources. Method met with Plannery and laid out a plan of API enablement that would power their desired solutions with minimal downtime. Method’s [Liabilities Data Connect API](https://methodfi.com/products/data) delivers the real-time, consolidated view of all debt for users, while the [Liabilities Payment API](https://methodfi.com/products/debt-repayment) enables electronic payment to more than 15k financial institutions. ## Benefits for Plannery Users Plannery partnered with Method to create a seamless user experience: - Financial dashboard that provides a transparent view into a user’s liability stack, empowering them to seek lower interest rates and consolidation opportunities. - Drastically reduce user loan application and funded time. Consumers are prequalified for accurate offers, based on the current balances on their debt stack. - Customized Repayment Plans: With insights into consolidated debt, Plannery is able to create actionable repayment plans - Streamlined Electronic Payoff: Allows members to transfer balances and make payments from their existing cards at other financial institutions within the dashboard. - Discovery: Users can save on interests and fees by switching to financially healthy products ## Impact Since launching in 2022, Plannery has consolidated $2M in debt for over 100 healthcare professionals, and amassed a waitlist of almost 4,000 registered nurses for its new card product. > *Plannery has given me a second chance. After battling through the financial challenges of the COVID-19 pandemic, I found myself shouldering some significant credit card debt. My credit score tumbled. My options for personal loans were very limited. Then I came across Plannery. Give their unique repayment plan, they were able to offer me 2 personal loans at approximately 20% less interest than other banking platforms had qualified me for. It has been life changing. I’m so thankful to have a rising credit score, and a plan to be debt free in 3 years.\ \ – Jason, PA-C* ## About Plannery Plannery is building a digital financial wellness platform for healthcare professionals. Founded by Krish and Andrew and backed by top tier VCs, their mission is to make it easy and effortless for healthcare professionals to achieve their financial goals. Their first product they launched addresses one of the biggest pain points for healthcare professionals: financial stress due to debt. Plannery plans to offer the entire suite of financial products - lending, savings and investment products - all tied together with automation. To learn more, visit [planneryapp.com](https://www.planneryapp.com/). ## About Method Financial Method’s APIs are redefining financial connectivity with real-time, read-write, and frictionless access to all consumer liability data with integrated payment rails. Method helps lenders increase revenue by streamlining customer acquisition, improving underwriting accuracy, and increasing line utilization through balance transfers, all without the need for a consumer’s username and password. Today, Method powers solutions for over 60 fintechs, lenders, and FIs including Aven, Bilt, Upgrade, and Figure. Method is backed by a16z, Abstract Ventures, YC, Truist Ventures, and more. To learn more, visit [methodfi.com](https://methodfi.com/). ### We have more inspiring stories for you [Consumer Lending Aven Transforms Home Equity Access with Instant Balance Transfers](./aven-transforms-home-equity-access-with-instant-balance-transfers) [Personal Finance Launching Automatic Debt Payoff: What Ditch Built with Method](./ditch) [Personal Finance Launching Debt Reset: What Cleo Built With Method](./cleo) ## Embed financial connectivity in weeks, not months Offer the right financial products and design engaging experiences while we take care of the evolving connectivity infrastructure. [Book a demo](../book-a-demo) # Gauss Source: https://methodfi.com/customers/gauss [Customer Stories](../resources/customer-stories) [Book a demo] ### Working with Method to provide instant credit card balance transfer ###### Gauss Gauss Money (previously Placid Money) is a mobile app that helps consumers build wealth while paying off credit cards. Industry Consumer Lending Website [gauss.money](https://www.gauss.money/) Products used, Connect, Pay, Number of employees, 11-50 ## The Challenge Gauss’s entire user experience for a new credit card is designed around minimalism, requiring little user input. While building the initial versions of the product, the goal was to have consumers open a new credit line in under 5 minutes with no origination fee. But as Gauss built the initial versions of the product, the last leg of the signup - the balance transfer - was especially hard to digitize. Incumbent balance transfer process involved several inputs from a user regarding their debt such as issuer name, debt amount and account number. Eventually payments to existing lenders would be mailed via a check. This process has several shortcomings: - Gauss would need to develop a system to mail a check to every credit card in the US or find the right partner to work with. - Incorrect account information or account status would result in return mail that would increase Gauss’s overhead cost. - With an inherent 2-3 week timeline lag for check delivery meant that the user would end up paying higher APR on the existing credit line; the delay in balance transfer inadvertently would cost the user hundreds of dollars in interest charges. 3% of USPS mailpieces get lost, which would lead to accounts not being paid off in time and additional late fees. A paper based process, balance transfer is not only laborious and costly but also a poor user experience. The cascading negative experiences lead to angry users, driving lower user conversion in the process. > *Method’s agile payment solution allows Gauss users to transfer their balances at a fraction of the cost, while paying off their debts instantly.\ \ – *Alex Matsenov, Founder & CEO ## The Solution After surveying the market, Gauss found Method to be the only provider with a turn-key solution to manage the entire money movement process for balance transfer. Method’s API simplified the user flow and digitized the user experience: - User verification and compliance for balance transfer is processed instantly in parallel, while determining credit eligibility - The user can view all credit cards that are available for pay off. Account details such as status and balance are retrieved for user view. - The user can pay off *multiple* cards from Gauss’s credit line any number of times and receive payment confirmation instantly. Method’s solution enables the user to seamlessly move to a lower APR credit card, with no changes to how they use their cards, saving hundreds of dollars on interest charges in the process. Additionally, with a one-click balance transfer, Gauss increased user delight and user conversion. With the entire money movement being handled online, Gauss can send thousands of transactions per second programmatically. The real time account verification lowers the risk of returned payments and overhead costs, enabling Gauss to deliver on the promise of no origination fees. **Gauss went from initial call to Go-Live in 30 days, with instant verification, transfers, and confirmation. ** ## About Gauss With Gauss, users can pay off any credit card balance using a low interest credit line. Through the app, they can securely connect their cards and get a low APR credit line to offload their expensive balances seamlessly with zero fees. Gauss instantly checks the user’s eligibility with a soft credit pull that doesn't affect the credit score. Gauss never charges a late payment or an overdraft fee. Learn more about Gauss [here](https://www.gauss.money/). ## About Method Financial Method’s APIs are redefining financial connectivity with real-time, read-write, and frictionless access to all consumer liability data with integrated payment rails. Method helps lenders increase revenue by streamlining customer acquisition, improving underwriting accuracy, and increasing line utilization through balance transfers, all without the need for a consumer’s username and password. Today, Method powers solutions for over 60 fintechs, lenders, and FIs including Aven, Bilt, Upgrade, and Figure. Method is backed by a16z, Abstract Ventures, YC, Truist Ventures, and more. To learn more, visit [methodfi.com](https://methodfi.com/). ### We have more inspiring stories for you [Consumer Lending Aven Transforms Home Equity Access with Instant Balance Transfers](./aven-transforms-home-equity-access-with-instant-balance-transfers) [Personal Finance Launching Automatic Debt Payoff: What Ditch Built with Method](./ditch) [Personal Finance Launching Debt Reset: What Cleo Built With Method](./cleo) ## Embed financial connectivity in weeks, not months Offer the right financial products and design engaging experiences while we take care of the evolving connectivity infrastructure. [Book a demo](../book-a-demo) # Highway Benefits Source: https://methodfi.com/customers/highway-benefits [Customer Stories](../resources/customer-stories) [Book a demo] ### Providing Student Loan Contributions as an Employee Benefit ###### Highway Benefits Highway Benefits enables employers to create and administer tax compliant educational assistance plans with minimal effort. Industry Employer Benefits Website [highwaybenefits.com](https://www.highwaybenefits.com/) Products used, Connect, Pay, Number of employees, 2-10 ## The Challenge As Highway built the final versions of the product, they encountered third-party student loan debt repayment to be an archaic process that posed a couple major challenges. First, Highway would need to acquire a standard banking partner agreement that would require significant investments of both time and money. As a new startup, finding a bank to partner with proved to be a challenge for the team. Second, to automate student loan payments, Highway would need to form relationships and build integrations across all loan servicers. These integrations were crucial to the success of the product and could have taken months in a period when time was of the essence. > *Method’s digital first payment service allows Highway Benefits to scale to employers of all sizes.\ \ – *Cory Micheel, Co-founder and COO ## The Solution Highway Benefits spoke with a range of vendors in the market but felt that Method offered the best solution for their payment needs. The value proposition for Highway Benefits was simple: Method provides a turn-key solution by managing the entire money movement process, banking compliance, and bank partnerships. Keeping Highway Benefits out of the flow of funds enabled Highway to focus on other areas of product development, rather than spending months on costly bank set up. Additionally, Method provided the entire flow of funds via a single API that authenticated, verified and initiated payments instantly with a settlement period of two days. **Highway Benefits went from initial call to Go-Live in 7 days, with instant transfers and settlement time of 2 days** > *The open line of communication during onboarding is best in class and the Method team moved extremely quickly to help us get live. Post-launch, Method has been with us every step of the way, iterating with us on our roadmap.\ \ *– Mick MacLaverty, Co-founder and CEO ## About Highway Benefits Highway Benefits allows employers to retain and attract top talent while addressing one of their employees’ largest concerns: financial wellness. They enable employers to create and administer tax compliant educational assistance plans with minimal effort. Their platform automatically verifies employee eligibility, loan eligibility, and executes tax-free contributions on a regular basis on behalf of employers. To learn more, visit [highwaybenefits.com](https://www.highwaybenefits.com/). ## About Method Financial Method’s APIs are redefining financial connectivity with real-time, read-write, and frictionless access to all consumer liability data with integrated payment rails. Method helps lenders increase revenue by streamlining customer acquisition, improving underwriting accuracy, and increasing line utilization through balance transfers, all without the need for a consumer’s username and password. Today, Method powers solutions for over 60 fintechs, lenders, and FIs including Aven, Bilt, Upgrade, and Figure. Method is backed by a16z, Abstract Ventures, YC, Truist Ventures, and more. To learn more, visit [methodfi.com](https://methodfi.com/). ### We have more inspiring stories for you [Consumer Lending Aven Transforms Home Equity Access with Instant Balance Transfers](./aven-transforms-home-equity-access-with-instant-balance-transfers) [Personal Finance Launching Automatic Debt Payoff: What Ditch Built with Method](./ditch) [Personal Finance Launching Debt Reset: What Cleo Built With Method](./cleo) ## Embed financial connectivity in weeks, not months Offer the right financial products and design engaging experiences while we take care of the evolving connectivity infrastructure. [Book a demo](../book-a-demo)