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Built for Growth

Unified Financial Data & Risk Intelligence API

VascoData enables companies to access real-time credit insights, automate KYC/AML processes, and leverage advanced risk scoring—all through a single API platform.

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VascoData

Less talk, more build

The most effective data infrastructure isn’t buried behind complexity, fragmented systems, or opaque integrations that slow teams down. We eliminate unnecessary layers and unify access to financial data through a single, consistent API—so you can focus on building, scaling, and delivering value without navigating technical overhead or reconciling inconsistent data across sources.

Market Context

Unified Access Layer

The market is rapidly shifting toward unified API layers that eliminate integration complexity and provide standardized, ready-to-use data through a single interface.

$ 1 B+
The global open banking market projected growth

by 2030, with CAGR above 27%.

1 +
Data systems are commonly operated

within large financial institutions creating significant integration and data consistency challenges.

1 %
of banks worldwide

consider open banking and APIs a core part of their digital transformation strategy.

Seamless Connectivity
Secure Exchange
Instant Access
Our Products

Make faster & more accurate decisions

Credit Intelligence

Real-Time Credit Insights

Access up-to-date financial data from top credit bureaus to assess creditworthiness instantly and accurately. 

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< 1 ms
Response time
1 %
Accuracy
Compliance & Identity

KYC & AML Intelligence

Automate identity verification, AML screening, and compliance workflows across multiple data sources.

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1 +
Global sanctions lists
1
Countries powering AML coverage
Risk Analytics

AI Powered Risk Scoring

Leverage enriched datasets and scoring models to make faster, more accurate risk decisions.

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1 %
Improvement in risk prediction
1
Key credit factors

Access a reliable, tri-bureau credit score. VantageScore 3.0 uses six key factors — payment history, credit utilization, age and type of credit, total debt, and recent credit behavior — to provide you with a stronger prediction of your customers' creditworthiness.

Credits & Loans Debt Relief Auto Financing Mortgage Workflows Home Services Insurance Underwriting

Real-Time Lending & Credit Decisioning

Enable lenders to access real-time financial data, automate underwriting workflows, and improve credit decisioning through unified data and scoring APIs.

Credit Operations
Faster Loan Decisions
Risk Management
Improved Risk Accuracy
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Complete financial visibility for restructuring and recovery

Support debt relief providers with access to financial data, income verification, and legal signals to assess client situations and optimize restructuring strategies.

 

Customer Evaluation
Better Client Assessment
Risk Management
Reduced Default Risk
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Instant financing decisions at the point of sale

Streamline auto financing decisions by combining credit data, identity verification, and risk scoring into a single API-driven workflow.

Seamless Financing Experience
Lower Fraud Risk
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Automated verification for complex lending workflows

Enable mortgage providers to automate borrower verification, income validation, and credit analysis using unified financial and legal data sources.

 

Operations
Accelerated Loan Processing
Compliance
Regulatory Compliance
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Embedded financing with real-time credit assessment

Support financing for home services by enabling instant credit assessments and identity verification during customer onboarding.

 

Sales Enablement
Higher Conversion Rates
Operations
Simplified Onboarding
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Data-driven underwriting and fraud detection

Enhance underwriting and fraud detection by leveraging financial data, identity verification, and behavioral signals through a unified API.

 

Risk Assessment
Improved Underwriting Accuracy
Security
Fraud Prevention
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Core Modules

API-first platform that centralizes access to financial, compliance, and risk data.

Normalization engine

Standardize formats and ensure data consistency.

Integration layer

Connect to external APIs, banking systems, and providers.

Access control

Granular permissions and authentication mechanisms.

Monitoring

Track usage, performance, and anomalies.

API Gateway

Expose data securely via REST/GraphQL APIs.

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Let’s Build Your Data & Risk Infrastructure

Whether you’re scaling lending operations, improving compliance workflows, or building a new financial product, our team is ready to support your use case.

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    • Dedicated support
    • Compliance features

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