Worth AI

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.

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

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

• SMB onboarding automation
• Underwriting workflow software
• KYB KYC verification
• Credit risk decisioning
• Fintech risk management

Headquarters

HQ city

Winter Park

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations

Revenue model

1. 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

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core 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

Named customers14 records

Segments6 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability9 records

Feature6 records

Partnerships

Twelve partnerships are on record, tiered integration_partner and regulatory.

• Equifaxintegration_partnerTechnology or IntegrationData integration partner for credit data within Worth's verification ecosystem. Listed among verification data sources.
• IRSintegration_partnerTechnology or IntegrationTax verification data source integrated into Worth's Crosswalking Technology for business identity verification.
• GIACTintegration_partnerTechnology or IntegrationIdentity verification and fraud prevention data source integrated into Worth's platform.
• Socureintegration_partnerTechnology or IntegrationIdentity verification and fraud detection integration for KYC processes.
• LexisNexisintegration_partnerTechnology or IntegrationRisk and compliance data source integrated into Worth's verification ecosystem.
• ZoomInfointegration_partnerTechnology or IntegrationBusiness data and verification source for entity resolution.
• Plaidintegration_partnerTechnology or IntegrationBanking data integration for account verification and authentication within Worth's banking module.
• QuickBooksintegration_partnerTechnology or IntegrationAccounting data integration for financial assessment and credit evaluation.
• Trustpilotintegration_partnerTechnology or IntegrationBusiness reputation data source for social review scoring and verification.
• Google Reviewsintegration_partnerTechnology or IntegrationBusiness reputation data source integrated for verification and trust assessment.
• Alloyintegration_partnerTechnology or IntegrationIdentity verification and compliance platform partner shown in customer logo section.
• SECregulatoryOthersRegulatory 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

Direct 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

• Xx.com/joinworth
• Facebookfacebook.com/worthplatform
• LinkedInlinkedin.com/company/worth-ai
• Instagraminstagram.com/joinworth

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds5 records

Investors9 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Worth AI