Array
Array is an embeddable fintech platform providing consumer credit, identity, privacy, debt, home value, and financial planning tools to banks, credit unions, fintechs, and digital brands via API-first components deployable in weeks.
- Company typePrivate
- Founded2020
- HeadquartersNew York, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Array does
Array US, Inc. is an embeddable fintech platform that supplies consumer credit, identity, privacy, debt, home value, subscription management, and financial planning tools to banks, credit unions, fintechs, and digital brands. The product portfolio is organized into Credit Health (My Credit Manager, BuildCredit Account, BuildCredit Rent), Identity Security (Identity Protect, Privacy Protect), Digital Finance (Debt Navigator, Subscription Manager, Student Loan Aid, Financial Links, My Money Plan, My Home Value, Financial Calculators), Data (Offers Engine, Background Checks, Property Data), and Services (Data Furnishing). Underlying technology is an API-first, multi-tenant platform with native SDKs for Web and iOS, a super-aggregator (Financial Links) connecting 19,500+ financial institutions via multiple open banking providers with intelligent failover and credential-less debt linking covering 95% of consumer debts, and FCRA-compliant bureau integrations with Equifax, Experian, TransUnion, and Innovis. Three deployment options are supported — Embed (web/mobile components), Private Label (fully branded portals), and direct API — with average launch periods of 4–6 weeks for financial institutions.
Array monetizes through a hybrid model: enterprise platform fees under multi-year Master Services Agreements (subscription/PMPM/per-transaction) for financial institutions and fintechs, premium consumer subscriptions ($100–$300/yr for Privacy Protect) converted through a 10–20% scan-to-paid funnel, a freemium-to-paid Array+ suite delivered inside client digital banking, transaction-linked offers monetization through Offers Engine (4–10% CTR vs. 0.5% benchmark), and recurring data-furnishing services that translate client payment data into Metro2 format for bureau reporting. Distribution combines direct enterprise sales, an embedded channel of digital banking platform partners (Access Softek, Alkami, Blossom, CSI, Finastra, FIS, Jack Henry, Lumin Digital, Narmi, Q2), and developer-led self-serve onboarding. The company is venture-backed (General Catalyst, Battery Ventures, NYCA, with a $67M Series A) and has executed five acquisitions since October 2024 — Payitoff, MoneyKit, Chimney, Penny Finance, and EarnUp — to extend its billable product footprint and absorb complementary technology assets.
Array firmographics
Firmographics- Name
- Array
- Legal name
- Array US, Inc.
- Website
- https://array.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Array is an embeddable fintech platform providing consumer credit, identity, privacy, debt, home value, and financial planning tools to banks, credit unions, fintechs, and digital brands via API-first components deployable in weeks.
- Ownership category
- akta.pro rank
Array industry classification
Industry- Product category
- Embedded Fintech Platform
- NAICS
- Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821)
- SIC
- Finance Services (6199), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA)
- akta.pro secondary industries
- Debt Management & Paydown (Student Loans, Credit Cards) (FSAGADAD), Billing, Subscription & Revenue Management Infrastructure (FSAGABAM)
Keywords
Where Array is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Array business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Credit Tools Subscription (PMPM / Per-Transaction): My Credit Manager and other credit features priced per-member-per-month (PMPM) or per-transaction (PT); clients pick features and pay only for what their customers use, with flexible configuration into tiered plans.
- Premium Consumer Subscriptions (Privacy Protect, Identity Protect): End-consumer paid subscriptions of $100-$300/yr for Privacy Protect and tiered identity-protection plans (with ID Theft Insurance up to $1M-$5M); 10-20% of users who scan convert to paid; delivered through client-branded or Array+ channels.
- Array+ Freemium + Paid Upgrade: Free Array+ suite inside client digital banking environments with optional paid premium upgrade; subscribers pay monthly directly to Array via merchant processing once they convert.
- Enterprise Platform Fees (Banks / Credit Unions / Fintechs): Enterprise and fintech client contracts for embedded components with monthly minimum commitments, per-order/per-month fees, and renewals; payments typically net 30 under Master Services Agreement.
- Targeted Offers / Audience Monetization: Offers Place generates personalized display ads leveraging credit attributes; clients monetize their audience via uplift in product applications (e.g., personal loans 3x-4x value increase) and click-through rates of 4-10%.
- Data Furnishing Services: Recurring service revenue from clients reporting payment data (mortgage, auto, student, personal loan, rent, HOA) to credit bureaus; includes onboarding, Metro2 translation, and dispute management.
- Acquisition-driven Portfolio Expansion: Acquired capabilities (MoneyKit data aggregation, Payitoff debt guidance, Datalinx data furnishing, Chimney calculators/home value, Penny Finance financial planning, EarnUp paycheck-aligned payments) extend the billable product footprint.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | My Credit Manager – credit-report feature pricing |
| Other | Annual | Private label portal – three pricing models |
| Freemium | Monthly | Array+ – freemium with paid upgrade |
| Subscription | Annual | Privacy Protect – consumer premium subscription |
| Subscription | Multi-year contract | Enterprise financial-institution contracts |
Go-to-market motion5 records
Distribution channels5 records
Marketing channels7 records
Array product offering
Product offeringCore offering
Array operates an API-first, embeddable fintech platform that delivers consumer credit, identity, privacy, debt, home value, and financial wellness tools to financial institutions, fintechs, and digital brands via web components, mobile SDKs, and direct API. The platform is sold as a white-label/private-label suite so the host brand retains the consumer experience, with three deployment options (Embed, Private Label, API) and typical go-live timelines of weeks. It monetizes through PMPM/per-transaction enterprise pricing on credit tools, freemium-to-paid consumer subscriptions (e.g., Privacy Protect at $100-$300/yr), targeted-offer monetization via Offers Engine, and managed data-furnishing services.
Product overview
Array is an embeddable fintech platform (a platform-plus-modules architecture) for fintechs, financial institutions, and digital brands, built around consumer credit, identity, privacy, and financial wellness tools. The offering is organized into several product families: Credit Health (My Credit Manager, BuildCredit Account, BuildCredit Rent), Identity Security (Identity Protect, Privacy Protect), Digital Finance (Debt Navigator, Subscription Manager, Student Loan Aid, Financial Links, My Money Plan, My Home Value, Financial Calculators), Data (Offers Engine, Background Checks, Property Data), and Services (Data Furnishing). Array+ bundles a suite of these tools for free/premium/hybrid deployment models within client digital banking environments. The platform is also expanded via acquisitions: Datalinx (data furnishing), Payitoff (debt guidance), MoneyKit (financial connectivity), Chimney (financial calculators and home value), EarnUp (paycheck-aligned payments), and Penny Finance (financial education and money management). Three deployment options are supported — Embed (web/mobile components), Private Label (fully branded sites), and API.
Differentiator
Problem solved
Functional benefit
Brands
- Array+: An embeddable suite of consumer financial tools (free and premium tiers) operated under a distinct Array+ Master Services Agreement as a separately branded platform offering within the Array corporate umbrella.
Products and services
- My Credit Manager Personal credit management solution embedded into client digital experiences; offers credit reports (1, 2, or 3 bureau), score tracking, score simulator, credit alerts, debt analysis, score factors/details, credit report disputes, and credit data analysis.
- BuildCredit Account Credit-builder loan product that helps consumers establish a credit score or build positive credit history through a credit-builder loan; Array handles licensing, compliance, identity verification, servicing, and approval.
- BuildCredit Rent Rent reporting product that enables clients to report on-time rent payments to credit bureaus; includes 24-month lookback for rental history, full-service dispute management, accelerated bureau credentialing (~2 weeks), and a private-labeled front-end component.
- Identity Protect Identity theft monitoring and protection offering with features including SSN, dark web, change-of-address, court records, home title, auto title, non-traditional finance, telecom, and social media monitoring; flexible insurance from $1M to $5M and identity restoration services.
- Privacy Protect
- Debt Navigator Personalized debt repayment guidance embedded in client products; pulls 95% of consumer debts without credentials via proprietary linking and provides automated guidance and personalized strategies across credit cards, student loans, personal loans, mortgages (coming soon), and auto loans (coming soon).
- Subscription Manager Subscription monitoring and cancellation tool that lets consumers view consolidated recurring charges and cancel with one button; embeds inside client digital experiences as a value-add or premium upsell.
- Student Loan Aid Federal student loan management and refinancing solution that helps borrowers link accounts, view suggested repayment plans, and submit/enroll to potentially lower monthly payments; 46.9% of enrollees see ~24 point credit score increase in 4 months.
- Financial Links Open banking 'super aggregator' that routes through leading open banking providers to cover 19,500+ financial institutions; offers intelligent routing, automatic failover, accounts/account numbers/transactions/investments/identity data; native SDKs (Web, iOS).
- My Money Plan Personalized digital financial planner that provides step-by-step plans, persona-based marketing engine (email/SMS), account aggregation, and spending/budgeting tools; 60% of users log in weekly, 30% engage with a recommended product offering.
- My Home Value Homeowner engagement dashboard with home value tracking, equity insights, home borrowing power, and personalized loan offers (HELOC, Refi, HELOAN); uses industry-leading AVM covering 99% of residential U.S. and borrower intent signals.
- Financial Calculators Ready-to-deploy embedded financial calculators across home lending, auto, personal finance, credit, and business categories; customizable branding, direct LOS integration, real-time performance analytics, WCAG 2.1 AA compliant.
- Offers Engine Audience segmentation and targeting platform that leverages credit data (200+ attributes) to determine eligibility for credit offers, enables personalized display ads through Offers Place ad component, and reduces marketing costs.
- Array+ Embeddable suite of Array tools designed for digital banking environments, available in free, premium, or hybrid business models; delivered through a separate Array+ Master Services Agreement.
- Data Furnishing Service to report customer payments (mortgage, auto loan/lease, student loan, personal loan, rent payment and eviction, HOA dues) to the credit bureaus; includes initial consultation, bureau application management, Metro2 translation, and dispute management.
- Payitoff (Acquired Debt Guidance Capability)
- MoneyKit (Acquired Financial Connectivity)
- Chimney (Acquired Calculators & Home Value)
- Penny Finance (Acquired Financial Education)
- EarnUp (Acquired Paycheck-Aligned Payments)
- Datalinx (Acquired Data Furnishing Service) Data furnishing service (supporting clients for nearly 20 years) that reports to all four major credit bureaus (Equifax, Experian, TransUnion, and Innovis); works with financial institutions, collection agencies, retail stores, auto dealers, landlords, property owners/managers, payment processors, and utility companies; part of the Array family.
Quantifiable outcome
- Privacy Protect drives 10-20% scan-to-paid conversion at $100-$300/yr, generating ~$20M additional Y1 revenue for a large ID theft partner with 10% increase in free-to-premium conversion.
- +7 more outcomes
Companies that use Array
Customer profileNamed customers11 records
Segments5 records
Ideal customer profiles5 records
Array technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration16 records
AI capability11 records
Feature7 records
Array partnerships and signals
Strategic signalPartnerships
20 partnerships are on record, tiered core and major.
- EarnUpcoreAcquired by Array in February 2026; EarnUp is a payments technology company that has completed 50 million transactions worth $43 billion since 2015, helping consumers align mortgage, loan, and bill payments with their pay cycles. Expands Array's home loan payments capabilities.
- Penny FinancecoreAcquired by Array in February 2026; Penny Finance is a consumer-focused financial education and money management platform whose tools now underpin Array's My Money Plan and broader financial wellness offerings.
- ChimneycoreAcquired by Array in February 2026; a New York-based fintech providing financial calculators and home value tracking tools used by 150-160+ US financial institutions and driving hundreds of millions of dollars in loan volume. Powers Array's My Home Value and Financial Calculators.
- MoneyKitcoreAcquired by Array in July 2025; MoneyKit is a financial connectivity infrastructure provider whose capabilities now power Array's secure, personalized, privacy-first consumer financial experiences and personalized credit insights.
- PayitoffcoreAcquired by Array in October 2024; Payitoff is a pioneer in embedded debt guidance solutions that strengthens Array's intelligent debt management offerings.
- Lumin DigitalcoreAnnounced partnership in October 2024 to help financial institutions deliver financial wellness tools within Lumin Digital's cloud-native digital banking experience.
- EquifaxcoreStrategic credit bureau partner; Array's tools integrate uniformly with Equifax alongside Experian and TransUnion, enabling 1/2/3-bureau credit report and score products.
- ExperiancoreStrategic credit bureau partner; integrates with Array's My Credit Manager, Offers Engine, Identity Protect, and other data products.
- TransUnioncoreStrategic credit bureau partner for Array's credit, identity, and data furnishing products (BuildCredit Rent cites TransUnion research).
- FICOmajorListed among Array's strategic partners supporting financial-institution implementations.
- Access SoftekcoreDigital banking platform partner; in October 2025 Access Softek launched 'Access LifeHub' — integrated digital tools powered by Array that bring embedded credit, identity, privacy, and subscription management into Access Softek's banking experience.
- AlkamimajorDigital banking partner enabling Array's products to be distributed to Alkami's bank and credit union clients.
- BlossommajorDigital banking partner through which Array distributes embedded fintech tools.
- CSI (Computer Services, Inc.)majorDigital banking partner for Array's embedded fintech tools in banks and credit unions.
- FinastramajorDigital banking partner for Array's embedded fintech tools in financial institutions.
- FISmajorDigital banking partner for Array's embedded fintech tools in financial institutions.
- Jack HenrymajorDigital banking partner for Array's embedded fintech tools in banks and credit unions.
- NarmimajorDigital banking partner for Array's embedded fintech tools in financial institutions.
- Q2majorDigital banking partner for Array's embedded fintech tools in banks and credit unions.
- DatalinxcoreDatalinx is now part of the Array family; supports clients reporting to Equifax, Experian, TransUnion, and Innovis for nearly 20 years and powers Array's Data Furnishing service.
Scale indicators19 records
Recent moves6 records
Expansion highlights6 records
Array competitors and assessment
Company assessmentDirect peers
- Plaid: Plaid is the dominant US financial connectivity platform serving fintechs and FIs. Overlaps directly with Array's Financial Links aggregator and the broader embedded-fintech distribution model.
- Akoya: Akoya operates a financial data-sharing network used by banks and fintechs. Comparable to Array's role as an interoperability layer between FIs and embedded consumer finance experiences.
- Atomic: Atomic provides payroll, employment, and financial account connectivity APIs for fintechs. Comparable to Array's embedded data strategy targeting FIs, lenders, and consumer fintech apps.
- MX Technologies: MX provides embedded financial data connectivity, aggregation, and analytics APIs for FIs and fintechs. Directly comparable to Array's Financial Links super-aggregator and broader embedded data strategy.
- Yodlee (Envestnet): Yodlee is an established financial data aggregation and analytics platform serving FIs and fintechs. Overlaps with Array's Financial Links super-aggregator and analytics offerings.
- Finicity (Mastercard): Finicity, acquired by Mastercard, provides open-banking data connectivity and credit decisioning APIs. Directly overlaps with Array's Financial Links and embedded credit toolset serving FIs.
- Pinwheel: Pinwheel offers payroll-linked APIs for earned wage access, income verification, and direct-deposit switching. Adjacent-direct overlap with Array's pay-cycle-aligned EarnUp capability and embedded fintech stack.
Emerging players
- Self Financial: Self is a credit-builder lender and rent-reporting platform. Overlaps with Array's BuildCredit Account and BuildCredit Rent products serving consumers seeking to establish or repair credit.
- DeleteMe (Abine): DeleteMe is a consumer privacy / data-broker removal subscription service. Directly comparable to Array's Privacy Protect product, which scans and removes personal information from data broker and people-search sites.
Broad incumbents
- Credit Karma (Intuit): Credit Karma is a scaled consumer credit, identity, and personal-finance platform owned by Intuit. Overlaps with Array's My Credit Manager, Identity Protect, and Offers Engine, but at vastly greater consumer scale and brand recognition.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Array social profiles
Digital presenceArray compliance and trust
Trust signalCompliance3 records
Array financial estimates
Financial estimateRevenue estimate
Valuation estimate
Array leadership team
Management profileNumber of profiles
Profiles10 records
Array subsidiaries and ownership
Company hierarchySubsidiaries7 records
Array funding detail
Funding detailFunding overview
Funding rounds3 records
Investors15 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Array M&A and investment
M&A and investmentM&A6 records
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Array
What does Array do?
Array operates an API-first, embeddable fintech platform that delivers consumer credit, identity, privacy, debt, home value, and financial wellness tools to financial institutions, fintechs, and digital brands via web components, mobile SDKs, and direct API. The platform is sold as a white-label/private-label suite so the host brand retains the consumer experience, with three deployment options (Embed, Private Label, API) and typical go-live timelines of weeks. It monetizes through PMPM/per-transaction enterprise pricing on credit tools, freemium-to-paid consumer subscriptions (e.g., Privacy Protect at $100-$300/yr), targeted-offer monetization via Offers Engine, and managed data-furnishing services.
Is Array a public or private company?
Array is a private company. It is classified as venture growth investor backed and is currently operating.
When was Array founded?
Array was founded in 2020. It employs 1 to 10 people.
Where is Array based?
Array is headquartered in New York, United States, in the North America region.
How does Array make money?
Seven revenue lines are on record. Credit Tools Subscription (PMPM / Per-Transaction) is the primary driver. The others are premium Consumer Subscriptions (Privacy Protect, Identity Protect), array+ Freemium + Paid Upgrade, enterprise Platform Fees (Banks / Credit Unions / Fintechs), targeted Offers / Audience Monetization, data Furnishing Services and acquisition-driven Portfolio Expansion.
Who are Array's main competitors?
Direct peers on record are Plaid, Akoya, Atomic, MX Technologies, Yodlee (Envestnet), Finicity (Mastercard) and Pinwheel. Emerging players are Self Financial and DeleteMe (Abine). Credit Karma (Intuit) is listed as a broad incumbent.
Does Array have an API?
Yes. Array offers a public/partner-facing REST API as one of three core deployment options (Embed, Private Label, API). The API enables developers to push bureau data directly to users and build their own experiences. Array also offers native SDKs for Web and iOS for Financial Links. A sandbox environment is available via the developer docs at docs.array.com. Authentication is handled via API tokens. Developers can register for platform notifications via webhooks or component events. Developer documentation is at docs.array.com/reference.
What industry is Array in?
Array's product category is Embedded Fintech Platform. Its primary akta.pro industry code is FSAGACAA, Account Aggregation & Connectivity (Multi-bank linking), with a secondary code of FSAGADAD, Debt Management & Paydown (Student Loans, Credit Cards). Its NAICS code is 51821 and its SIC code is 6199.