Socure, a leading provider of artificial intelligence solutions for digital identity verification, compliance, sanctions screening, and fraud prevention across more than 190 countries, has announced a strategic integration partnership with Nova Credit, a global credit infrastructure and analytics company. The collaboration brings Nova Credit’s FCRA-compliant cash flow underwriting solution, Cash Atlas™, into Socure’s RiskOS™ platform, the industry’s most open and extensible risk decisioning solution.
RiskOS leverages advanced orchestration and decisioning capabilities alongside integrated local and global identity graphs. By analyzing billions of real-time signals from trusted and fraudulent sources, the platform identifies synthetic identities, manipulated data, deepfakes, and stolen information with exceptional accuracy.
Nova Credit’s Cash Atlas™ delivers deeper insights into consumer income and spending patterns, allowing lenders to assess true repayment capacity. When paired with Socure’s identity verification and fraud prevention suite, this integration enables financial institutions to responsibly extend credit to qualified borrowers who have traditionally been excluded by legacy credit models without increasing exposure to fraud or risk.
For decades, many creditworthy individuals in the U.S. have been overlooked due to outdated credit scoring systems. Groups such as gig workers, recent graduates, and immigrants often lack lengthy credit histories despite consistently meeting financial obligations like rent and utility payments. Today, more than 25 million Americans remain unscored, limiting their access to fair credit opportunities.
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“Too many hardworking Americans are treated as invisible by outdated credit scoring models,” said Ravi Sandepudi, Head of Platform Product at Socure. “RiskOS provides lenders with a complete view of the individual by bringing together any data service provider on the market, including 85+ pre-integrated partners like Nova Credit. Together, we’re empowering financial institutions to confidently approve millions of deserving borrowers while maintaining the highest standards of risk management.”
“The future of responsible lending lies in understanding the complete financial picture of every applicant not just their credit history,” said Chris Hansen, GM, Strategic Alliances and New Business. “Through Socure’s powerful decisioning infrastructure, lenders can now seamlessly access cash flow insights that reveal the millions of creditworthy consumers invisible to traditional models. This partnership marks a fundamental shift toward more inclusive, data-driven financial services.”
This integration offers immediate benefits to Socure’s enterprise clients by broadening their addressable market without compromising underwriting standards. By identifying qualified borrowers within existing applicant pools who might otherwise be declined under legacy frameworks, lenders can drive both revenue growth and measurable progress in financial inclusion.