Worth AI
Worth AI is a fintech company that provides an AI-powered platform for SMB onboarding, KYB/KYC, fraud detection, and credit underwriting. It serves financial institutions, payment processors, fintechs, lenders, credit unions, and ISVs using proprietary entity-resolution technology and a 350M+ SMB database.
- Company typePrivate
- Founded2023
- HeadquartersWinter Park, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Worth AI does
Worth AI is a fintech company founded in 2023 in Orlando, Florida, by siblings Suneera Madhani and Sal Rehmetullah, who previously scaled Stax Payments to unicorn status. The company operates an AI-powered platform that consolidates SMB onboarding and underwriting workflows for financial institutions, payment processors, fintechs, lenders, credit unions, and independent software vendors. Its core capability centers on Crosswalking Technology — a proprietary entity-resolution engine that cross-references data from SoS, IRS, Google, credit bureaus, and dozens of other sources — combined with a Decision Intelligence platform that uses agentic AI to synthesize KYB, KYC, financial, and fraud signals into real-time decisions. Worth reports a 350M+ SMB database across 200+ countries, with disclosed customer outcomes including 37%+ increases in approval rates and 43%+ reductions in abandonment rate.
The product suite spans pre-fill automation, custom onboarding, case management, continuous monitoring, a decisioning engine, a unified credit score (Worth Score), and a one-click tokenized wallet (Worth Wallet), with REST APIs, SDKs, white-labeling, and webhooks for embedded distribution. The platform is SOC 2 Type II certified and GDPR compliant. Revenue is generated through annual subscription contracts priced on a quote basis; the company operates direct enterprise field sales complemented by an API-first / developer-led go-to-market motion. Notable customers include Mastercard, Global Payments, Bill.com, Equifax, Amex, PatientFi, Aurora Payments, VizyPay, Fundbox, PayNearMe, Repay, Storable, and Alloy. The company is venture-backed with $55 million raised to date ($25M seed in March 2025; $30M Series A in March 2026 led by Fulcrum Equity Partners with Amex Ventures and TTV Capital).
As of 2025-2026, Worth AI reported a quadrupled customer base and 50%+ headcount growth, expanded its C-suite (CFO Keith Durden, CRO Christian Miller, COO Blaine Dawson, CTO Sethen Maleno, CDO Craig Snodgrass), and launched new products including Worth Wallet, Worth Score, the Decision Intelligence platform, and Case Management 2.0. The company is positioning itself as a unified, AI-native alternative to fragmented vendor stacks for SMB risk decisioning in financial services.
Worth AI firmographics
Firmographics- Name
- Worth AI
- Legal name
- Worth AI, Inc.
- Website
- https://worthai.com
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Worth AI is a fintech company that provides an AI-powered platform for SMB onboarding, KYB/KYC, fraud detection, and credit underwriting. It serves financial institutions, payment processors, fintechs, lenders, credit unions, and ISVs using proprietary entity-resolution technology and a 350M+ SMB database.
- Ownership category
- akta.pro rank
Worth AI industry classification
Industry- Product category
- SMB Onboarding and Underwriting Software
- NAICS
- Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Enterprise AI Governance, Risk & Compliance Platforms (Model Risk, Audit, Policies) (HDAEANAE)
- akta.pro secondary industry
- End-to-End Enterprise AI Platforms (MLOps & Model Lifecycle Management) (HDAEANAA)
Keywords
Where Worth AI is headquartered
LocationHeadquarters
- HQ city
- Winter Park
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Worth AI business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- SaaS/Platform Subscription: Enterprise software platform providing AI-powered onboarding and underwriting solutions on a subscription basis. Pricing is likely tiered based on volume, usage, or enterprise tier.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise tier with full platform access |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Worth AI product offering
Product offeringCore offering
Worth AI provides an AI-powered onboarding and underwriting workflow automation platform that consolidates KYB, KYC, fraud verification, banking, and credit assessment into real-time decisions for financial institutions onboarding SMBs. Its product suite includes Worth Pre-Fill, Worth Custom Onboarding, Worth Case Management, Worth Continuous Monitoring, Worth Decisioning Engine, Worth Wallet, Worth Score, and the broader Worth Decision Intelligence platform, delivered via APIs, SDKs, and a developer portal.
Product overview
Worth AI is a unified platform for SMB onboarding and underwriting automation with multiple integrated modules. The core platform includes Worth Pre-Fill, Worth Custom Onboarding, Worth Case Management, Worth Continuous Monitoring, Worth Decisioning Engine, Worth Score, and Worth Wallet, all powered by AI-powered Decision Intelligence. The platform consolidates KYB, KYC, fraud detection, credit assessment, and banking verification into a single real-time decisioning system. Worth's Decision Intelligence platform uses agentic AI and predictive analytics to transform verified identity data and risk signals into real-time decisions. Additional offerings include Worth 360 Report, Worth Onboarding SDK, Worth Match Pro, KYB/KYC APIs, Banking API, Webhooks, and NPI Lookup for healthcare. Worth serves Financial Institutions, Lenders, Fintechs, Credit Unions, Payment Processors, and Independent Software Vendors.
Differentiator
Problem solved
Functional benefit
Brands
- Worth Pre-Fill: Pre-fill automation using AI and direct data integrations to complete applications with just three fields (Name, Address, and Tax ID/EIN).
- Worth Score
- Worth Wallet
- Decision Intelligence
Products and services
- Worth Pre-Fill Pre-fill automation using AI and direct data integrations that completes customer applications with just three fields (Name, Address, and Tax ID/EIN), reducing manual entry for financial institutions onboarding SMBs.
- Worth Case Management Case management workspace that consolidates 360-degree business profiles, custom workflows, and AI-powered analytics for underwriters, providing real-time case status updates and centralized risk decisioning.
- Worth Custom Onboarding Customizable onboarding flow configured via Worth's SDK or API to capture all required customer information in minutes, supporting mobile or web experiences with white-labeling for financial institutions and fintechs.
- Worth Continuous Monitoring Real-time risk monitoring product providing automated ongoing portfolio insights, including bankruptcy detection, liens, judgments, and adverse media screening, with customizable workflows.
- Worth Decisioning Engine
- Worth Wallet Instant business onboarding solution that uses one-click, tokenized business information to enable a frictionless global onboarding experience for SMBs.
- Worth Decision Intelligence AI-powered decision platform that transforms verified identity data and risk signals into real-time decisions, combining agentic AI for underwriting with automated decisioning to enable faster approvals and stronger fraud prevention.
- Worth Score Unified credit score that analyzes all data sources, including credit assessment, KYC, and fraud detection, and powers the risk portfolio dashboard with an explainable AI credit model for financial institutions.
- Worth API Platform Public REST API and JavaScript SDK that expose KYB verification, KYC ownership verification, banking information retrieval, business scoring, case management, Match Pro, custom fields, and webhooks for technical integrators.
Quantifiable outcome
- 37%+ increase in approval rates
- +4 more outcomes
Companies that use Worth AI
Customer profileNamed customers14 records
Segments6 records
Ideal customer profiles3 records
Worth AI technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability9 records
Feature6 records
Worth AI partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered integration_partner and regulatory.
- Equifaxintegration_partnerData integration partner for credit data within Worth's verification ecosystem. Listed among verification data sources.
- IRSintegration_partnerTax verification data source integrated into Worth's Crosswalking Technology for business identity verification.
- GIACTintegration_partnerIdentity verification and fraud prevention data source integrated into Worth's platform.
- Socureintegration_partnerIdentity verification and fraud detection integration for KYC processes.
- LexisNexisintegration_partnerRisk and compliance data source integrated into Worth's verification ecosystem.
- ZoomInfointegration_partnerBusiness data and verification source for entity resolution.
- Plaidintegration_partnerBanking data integration for account verification and authentication within Worth's banking module.
- QuickBooksintegration_partnerAccounting data integration for financial assessment and credit evaluation.
- Trustpilotintegration_partnerBusiness reputation data source for social review scoring and verification.
- Google Reviewsintegration_partnerBusiness reputation data source integrated for verification and trust assessment.
- Alloyintegration_partnerIdentity verification and compliance platform partner shown in customer logo section.
- SECregulatoryRegulatory filing entity. Worth AI Inc. filed a Form D with the SEC for an exempt securities offering of approximately $30 million under Regulation D Rule 506(b).
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
Worth AI competitors and assessment
Company assessmentDirect peers
- Socure: Socure provides AI-driven identity verification, KYC, KYB, and fraud prevention for financial institutions and fintechs, directly competing with Worth AI's onboarding and risk decisioning products.
- Alloy: Alloy is an identity and risk decisioning platform for banks and fintechs offering KYB, KYC, and fraud workflows. It is also listed among Worth's integration partners, making it a direct competitor and ecosystem participant.
- Persona: Persona offers a configurable identity verification platform covering KYC, KYB, and AML for financial institutions and fintechs, overlapping directly with Worth AI's onboarding stack.
- Middesk: Middesk focuses specifically on business identity verification and KYB for fintechs and lenders, targeting the same SMB underwriting workflows as Worth AI.
- Trulioo: Trulioo provides global KYB and KYC verification for businesses across 195+ countries, competing head-on with Worth AI's cross-border SMB onboarding capabilities.
- Sardine: Sardine applies AI to fraud, AML, and credit risk decisioning for fintechs and banks, overlapping with Worth AI's Decision Intelligence and continuous monitoring products.
- Veriff: Veriff provides identity verification and AML/KYC solutions for financial services and fintechs, competing with Worth AI for global KYB and onboarding workflows.
Emerging players
- Plaid: Plaid is both a data partner to Worth AI and a broader identity/risk player expanding into KYC and underwriting enablement for fintechs and lenders.
- HyperVerge: HyperVerge offers AI-based KYC, KYB, and fraud detection for banks, fintechs, and payment providers, competing with Worth AI in SMB onboarding automation.
Broad incumbents
- Equifax: Equifax is a major credit bureau and data provider whose identity, fraud, and SMB credit data overlap with Worth's underwriting use cases, while also serving as an integration partner.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Worth AI social profiles
Digital presenceWorth AI compliance and trust
Trust signalCompliance2 records
Worth AI financial estimates
Financial estimateRevenue estimate
Valuation estimate
Worth AI leadership team
Management profileNumber of profiles
Profiles7 records
Worth AI funding detail
Funding detailFunding overview
Funding rounds5 records
Investors9 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Worth AI M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Worth AI
What does Worth AI do?
Worth AI provides an AI-powered onboarding and underwriting workflow automation platform that consolidates KYB, KYC, fraud verification, banking, and credit assessment into real-time decisions for financial institutions onboarding SMBs. Its product suite includes Worth Pre-Fill, Worth Custom Onboarding, Worth Case Management, Worth Continuous Monitoring, Worth Decisioning Engine, Worth Wallet, Worth Score, and the broader Worth Decision Intelligence platform, delivered via APIs, SDKs, and a developer portal.
Is Worth AI a public or private company?
Worth AI is a private company. It is classified as venture growth investor backed and is currently operating.
When was Worth AI founded?
Worth AI was founded in 2023. It employs 51 to 100 people.
Where is Worth AI based?
Worth AI is headquartered in Winter Park, United States, in the North America region.
How does Worth AI make money?
One revenue line is on record: saaS/Platform Subscription.
Who are Worth AI's main competitors?
Direct peers on record are Socure, Alloy, Persona, Middesk, Trulioo, Sardine and Veriff. Emerging players are Plaid and HyperVerge. Equifax is listed as a broad incumbent.
Does Worth AI have an API?
Yes. Worth offers a public REST API at https://api.joinworth.com with Bearer token authentication. The API provides endpoints for KYB (Know Your Business) verification, KYC (Know Your Customer) ownership verification, banking information retrieval, business scoring, case management, Match Pro integration, custom fields, and webhooks (Beta). Documentation is available at docs.worthai.com with Getting Started guides for adding businesses and retrieving KYB, KYC, and banking data. Developer documentation is at docs.worthai.com/introduction.
What industry is Worth AI in?
Worth AI's product category is SMB Onboarding and Underwriting Software. Its primary akta.pro industry code is HDAEANAE, Enterprise AI Governance, Risk & Compliance Platforms (Model Risk, Audit, Policies), with a secondary code of HDAEANAA, End-to-End Enterprise AI Platforms (MLOps & Model Lifecycle Management). Its NAICS code is 51821 and its SIC code is 7372.