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GoFinFi Embedded Finance Platform

website·Indexed 31 days ago

https://gofinfi.com

An infrastructure layer for fintechs, neobanks, and platforms to build smart credit, banking, and card infrastructure. The platform enables the launch of credit monitoring, lending portals, and virtual card issuance.

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What's inside GoFinFi

  1. Overview of GoFinFi Infrastructure Capabilities

    GoFinFi provides an infrastructure layer for fintechs, neobanks, and platforms to build credit, banking, and funding experiences. The platform offers a single integration for credit, banking, and card issuing, featuring FCRA-compliant soft pulls, Metro 2 certified data furnishing, and a modern API-first architecture with built-in compliance and no-code tools.

  2. Overview of GoFinFi Embedded Finance Platform

    GoFinFi is an embedded finance platform that allows creators and businesses to integrate financial tools directly into their own products with "zero build." The platform provides pre-built UI components and APIs to accelerate the transition from sandbox to production. Key capabilities include customer onboarding, partner program routing, and payment tracking, all with built-in regulatory guardrails for compliance.

  3. Deploy a white-label financial application

    GoFinFi provides a turnkey White-Label App that includes both frontend UI/UX and backend experiences, enabling companies to launch credit and account services in a few weeks with minimal engineering effort.

  4. GoFinFi Developer Platform Capabilities

    The GoFinFi platform provides a unified API to handle three primary financial infrastructure tasks:

    1. Accounts & Cards: Issue accounts, cards, and payouts on an existing ledger.
    2. Consumer Data: Pull required consumer data through a single consented API.
    3. Partner Program Routing: Automatically route applicants to the appropriate partner programs to increase approval rates and conversion.

  5. Implement Smart Offer Routing for Partner Programs

    GoFinFi provides a 'Smart Offer Routing' system that converts a single customer application into a stream of personalized options from a network of financial partners. This system is designed to increase approval rates and conversion by presenting multiple real-time results (including APR, monthly payments, and loan terms) to the end-user based on their profile.

  6. Get started with GoFinFi integration

    Developers can begin integrating GoFinFi's financial tools using two primary paths:

    1. Self-Service: Create an account via the dashboard to access pre-built UI components and APIs for a fast launch.
    2. Custom Integration: Contact the sales team to design a tailored integration for specific business needs.
    # Sign up for the developer dashboard
# Visit: https://dashboard.gofinfi.app/signup

  7. Deploy financial tools and credit monitoring via GoFinFi

    GoFinFi enables the deployment of several financial services within a third-party application, including:

    • Credit Monitoring: Real-time credit report changes and score tracking (e.g., VantageScore® 3.0) reporting to Equifax, Experian, and TransUnion.
    • Savings Builder: Tools to help users grow savings while establishing a positive payment record.
    • Bill & Rent Reporting: Ability for users to boost credit scores by reporting existing utility and rent payments.
    • Lending Portals: Integration of lending options and partner program routing to provide customers with real-time loan offers.

  8. Install the GoFinFi SDK

    Install the GoFinFi SDK using npm to integrate financial services into your application.
    npm i @gofinfi/sdk

  9. Integrate GoFinFi financial tools with AI agents via MCP

    GoFinFi supports the Model Context Protocol (MCP), allowing AI agents to perform financial operations such as issuing cards, pulling consumer data, and routing offers while adhering to predefined limits and guardrails.

  10. Issue a virtual card using the GoFinFi SDK

    GoFinFi allows developers to programmatically issue virtual cards with specific spending limits for cardholders.
    // Issue a virtual card for a user with a $500 limit
gofinfi.issue_card({ holder: "Roman Roy", limit: 500 })

  11. Create an applicant via the GoFinFi API

    Use the /v1/applicants endpoint to create a new applicant record. This requires a Bearer token for authorization.
    curl https://api.gofinfi.com/v1/applicants \
  -H "Authorization: Bearer sk_live_..." \
  -H "Content-Type: application/json" \
  -d '{
    "email": "roman@example.com",
    "first_name": "Roman",
    "last_name": "Roy"
  }'

  12. Available GoFinFi Service Modules

    GoFinFi offers four primary service categories for fintech infrastructure:

    • Credit Data & Soft Pulls: Provides soft pull APIs, credit monitoring, and score tracking.
    • Data Furnishing: Provides Metro 2 certified reporting to all three credit bureaus.
    • Banking & Card Issuing: Provides accounts, payments, and virtual or physical card issuance.
    • Full Platform: Provides end-to-end credit, banking, and card infrastructure.