Millions of thin-file, migrant and displaced customers have no traditional credit history for a lender to check — not because they're high risk, but because the record was never built.

Etymos is identity and risk infrastructure for businesses serving disadvantaged populations. Our API combines identity verification, consented alternative data and ongoing monitoring to give financial institutions a reliable picture of someone who has no file today, and a path onto standard credit bureau history over time.

We work with financial service providers and distribution partners across underserved and displaced-population markets to expand who can be safely and profitably served.

Etymos is a public benefit corporation. Follow us for updates on our raise, our partnerships and our product roadmap.