A 360° view of your customer's financial behaviour — income patterns, spending habits, affordability scores and risk signals — all derived from real bank data in real time.
Go beyond basic account data — understand financial behaviour, risk profile and affordability in one API call.
Detect regular salary credits, irregular income, and secondary income streams. Verify employer and payment frequency automatically.
Real-time affordability assessment based on actual income minus committed expenditure — not credit bureau estimates.
Every transaction enriched with merchant name, logo, category and MCC code — even from raw bank statement descriptions.
Monthly spend by category, trend analysis, seasonal patterns, and peer benchmarking across 60+ spend categories.
Identify gambling activity, overdraft reliance, payday loan usage, and irregular cash withdrawals as early risk indicators.
Automatically identifies subscriptions, bills and standing orders — shows true committed expenditure for accurate affordability.
Customer grants read-only consent via their bank. Ironledge retrieves up to 18 months of transaction history instantly.
Every transaction is classified by our ML models — merchant, category, recurring flag, and risk signal — in under one second.
Income profile, affordability score, spending breakdown and risk signals are computed and returned via a single API response.
Webhooks fire on new transactions. Insights stay current — no need to re-fetch or re-authenticate the customer.
Replace manual bank statement uploads with instant, accurate affordability data. Reduce processing time from days to seconds.
Explore use case →Power budgeting and financial wellness tools with categorised spend, income detection and subscription tracking.
Explore use case →Supplement actuarial models with real financial behaviour data — gambling flags, income volatility, overdraft patterns.
Explore use case →Pass a customer consent token and receive a complete financial profile — income, spend categories, affordability score and risk signals — in a single response.
Replace credit bureau guesswork with real financial behaviour — income verified, affordability proven, risk signals surfaced.
No credit card required · GDPR compliant · Sandbox available instantly