DecisionLogic

What DecisionLogic does

DecisionLogic (operating as Clarilogic, Inc., an Arizona corporation founded in 2011) provides a real-time bank-data verification and analytics platform used by consumer lenders, MCA lenders, auto financiers, tenant screening operators, equipment finance providers, tribal lenders, and emerging fintech verticals. Its flagship Instant Account Verification (IAV) service connects directly to more than 50,000 financial institutions globally to verify a borrower's identity, account ownership, balance, and up to 365 days of transaction history, replacing document-based bank-statement reviews with verified data. The platform is layered with the DL Match identity verification module (powered by Experian), Summary Analytics, the proprietary Income Stability Score, the First Payment Default Score, the new DL Precision Engine (integration-free automated decisioning), DL NextCheck (proactive account monitoring), and Instant Refresh (on-demand re-verification for loan stacking and ACH pre-validation).

The underlying architecture combines Open Banking APIs with screen-scraping aggregators and a multi-tenant cloud with patented data isolation, TLS 1.2/1.3 in transit, encryption at rest with per-customer keys, role-based access controls, and SOC-2 Type 2 audited controls. DecisionLogic operates a credit-based usage pricing model (1 credit per IAV, 0.5 credit per Refresh) with no contracts, no monthly minimums, and free integration/support, sold via a sales-led motion with a demo-led funnel, a self-serve Lender Portal, an API suite for developer-led integrations, and an extensive channel/reseller ecosystem of more than 25 LMS, LOS, and POS partners (Vergent LMS, LendFoundry, Launcher.appTRAKER, ConvergeHub, Answers Etc. Tier3 LMS, EPIC Loan Systems, FUNDINGO, SparkLMS, SmartMCA, Insight, DigiFi, OnyxIQ, Totality, and others). The company serves 100M+ consumers cumulatively across the U.S., Canada, Australia, New Zealand, and South Africa, with stated coverage of 9 of 10 top U.S. online consumer lenders.

Name

DecisionLogic

Legal name

Clarilogic, Inc. d/b/a DecisionLogic

Website

https://decisionlogic.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

DecisionLogic (Clarilogic, Inc.) provides real-time bank-data verification and analytics APIs for consumer, MCA, auto, tenant, equipment, and tribal lenders, covering 50,000+ financial institutions and 100M+ consumers across five countries.

Ownership category

akta.pro rank

Product category

Bank Account & Identity Verification Software

NAICS

Activities Related to Credit Intermediation (5223), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199)

akta.pro primary industry

Account Verification & Ownership (AVS/AOV, micro-deposits, auth) (FSAGACAB)

akta.pro secondary industries

Income, Employment & Cash-Flow Verification (Consumer) (FSAKAKAE), Customer Permissioning & Consent Management (OAuth, scopes, revocation) (FSAGACAC)

Keywords

• Instant account verification
• Bank data verification
• Lending automation software
• Identity verification platform
• Transaction analytics engine

Headquarters

HQ city

San Diego

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Credit-Based Verification Pricing: Usage-based consumption model priced in 'credits': 1 credit per successful verification request, 1/2 credit per Refresh, and 1/2 credit per account error (bank errors free). Customers purchase credit packages on demand with no contracts, no monthly minimums, and no hidden fees; volume-based discounts available.
2. SaaS Platform Subscription (Implicit): Software-as-a-Service platform delivered via APIs and a hosted Lender Portal; long-running service relationships with lenders, legal practices, and financial institutions across US, Canada, Australia, New Zealand, and South Africa.
3. Professional Services (Bundled Free): Free integration assistance, free workflow reviews, free unlimited technical and customer support, and free unlimited training included as part of the offering (effectively absorbed into platform pricing).

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

DecisionLogic provides lenders with real-time verification of a borrower's identity, bank account number, and balance, along with up to 365 days of bank transaction history, via a blended IAV engine that combines Open Banking APIs with multiple data aggregators. The platform layers proprietary analytics, scoring, and identity verification on top of the verification flow, exposing them through REST APIs and a no-code Lender Portal for consumer, business, auto, tenant, equipment, tribal, and emerging-industry lenders.

Product overview

DecisionLogic is a unified financial data platform offering a suite of interconnected products and modules for instant account verification, identity verification, and analytics. The core platform – Instant Account Verification (IAV) – pulls real-time transaction data from over 50,000 financial institutions, complemented by the Identity Verification (IDV) / DL Match module (powered by Experian), the Summary Analytics module with its proprietary Income Stability Score and First Payment Default Score, the Lender Portal for non-technical teams, and the API Suite for embedded integrations. Recent additions include DL NextCheck for proactive account monitoring and the DL Precision Engine for integration-free automated decisioning, alongside the Instant Refresh feature for real-time balance checks and post-funding monitoring. Together these modules replace document-based bank-statement reviews with verified, bank-direct data flows serving consumer lending, business lending, auto lending, tenant verification, equipment finance, tribal lending, and emerging industries.

Differentiator

Problem solved

Functional benefit

Brands

• DL Precision Engine: Integration-free automated decisioning product promoted as a new offering on the DecisionLogic homepage.
• DL Match
• DL NextCheck

Products and services

• Instant Account Verification (IAV) Flagship service that connects directly to financial institutions to verify a borrower's bank account ownership, balance, and up to 365 days of transaction history in real time, replacing document-based bank-statement reviews for lenders.
• Identity Verification - DL Match Identity verification suite powered by Experian that validates personal information, flags critical risk factors, and performs OFAC checks; can be combined with IAV in a single workflow to replace separate ID verification vendors.
• Lender Portal Zero-integration, web-based portal with co-branded landing pages and email workflows that allows lenders without engineering resources to run IAV verifications in as little as a day, designed for call centers and non-technical teams.
• API Suite Suite of REST APIs with sandbox environments and free unlimited technical support that lets lenders fully automate IAV/IDV, ranging from a simple two-API-call configuration to fully automated pre-decisioned workflows embedded in CRM/LMS platforms.
• DL Precision Engine Integration-free automated decisioning product that delivers pre-decisioned underwriting outcomes at no additional cost, enabling lenders to convert borrowers without any technical integration work.
• DL NextCheck Higher-fidelity compliance and account-monitoring product built on Instant Refresh that provides expanded automated visibility into account status and transaction dynamics, designed as a proactive safeguard for NACHA 2026 and CFPB Small Dollar Rule compliance.

Named customers26 records

Segments10 records

Ideal customer profiles7 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability5 records

Feature10 records

Partnerships

28 partnerships are on record, tiered flagship, core and minor.

• TotalityflagshipChannel Partner/ Reseller/ Distributor · 18 November 2025Featured integration announcement: Totality integrates with DecisionLogic to launch a suite of underwriting tools combining bank-asset verification, identity verification, and fraud prevention into one workflow. Positions DecisionLogic as the verification engine for Totality's underwriting products.
• LokyatacoreStrategic or Co-development Partner · 1 October 2025Joint campaign (utm_source=decisionlogic, utm_medium=email, utm_campaign=partnership) and homepage logo placement signal a formal partnership for enhanced lending/verification decisioning.
• LendFoundrycoreChannel Partner/ Reseller/ Distributor · 10 September 2024Integrated DecisionLogic with LendFoundry's Loan Origination and Loan Servicing Software to deliver secure identity verification and account validation to LendFoundry's lender customers.
• ConvergeHubcoreChannel Partner/ Reseller/ Distributor · 17 October 2023Strategic alliance with ConvergeHub (CRM platform) for intelligent customer management, combining ConvergeHub's CRM with DecisionLogic's verification capabilities.
• ExperianflagshipStrategic or Co-development Partner · 21 July 2023Collaboration to launch the DL Match suite of frictionless Identity Verification products. Combines DecisionLogic bank-asset verification with Experian-powered identity verification and OFAC checks in one workflow and one vendor relationship. Underpins DecisionLogic's IDV product.
• Answers Etc. (Tier3 LMS)coreChannel Partner/ Reseller/ Distributor · 18 May 2023Long-standing partnership bundling DecisionLogic IAV (and access to 50,000+ banks) inside Answers Etc.'s Tier3 LMS for online and storefront lenders.
• Vergent LMScoreChannel Partner/ Reseller/ Distributor · 16 March 2023Vergent LMS partners with DecisionLogic to offer advanced verification services and streamlined lending processes to its lender customers. Earlier iteration of the partnership first announced in 2018/2015.
• Launcher.SolutionscoreChannel Partner/ Reseller/ Distributor · 13 April 2022Partnership to help lenders speed up verifications by integrating DecisionLogic's real-time bank verification into Launcher's appTRAKER Loan Origination System.
• Fiserv (AllData Aggregation)coreTechnology or Integration · 6 June 2016DecisionLogic implemented Fiserv's AllData Aggregation platform for real-time asset verification. By the Fiserv case study, DecisionLogic had on-boarded nearly 100,000 new client users to the platform with plans to grow further.
• EPIC Loan SystemscoreChannel Partner/ Reseller/ DistributorEPIC chose to integrate DecisionLogic because its real-time bank-data verification is unmatched in speed, accuracy, and reliability. DecisionLogic's technology complements EPIC's mission to automate, simplify, and future-proof the lending process.
• FUNDINGOcoreChannel Partner/ Reseller/ DistributorFUNDINGO + DecisionLogic deliver a seamless, automated MCA lending solution that streamlines funding decisions and reduces risk using DecisionLogic's real-time bank data.
• DigiFicoreStrategic or Co-development PartnerPartnership enabling DigiFi's configurable digital-lending platform to leverage DecisionLogic's predictive banking-data analytics and broad bank coverage; addresses a wide range of lending use cases together.
• OnyxIQminorChannel Partner/ Reseller/ DistributorOnyxIQ references DecisionLogic as a Strategic Partner providing fast, professional responses and exemplary customer service.
• LendSaaSminorChannel Partner/ Reseller/ DistributorLendSaaS cites DecisionLogic's dependable solutions as having streamlined their processes and enhanced capability to serve customers with heightened efficiency and innovation.
• UPAY TechnologyminorChannel Partner/ Reseller/ DistributorUPAY uses DecisionLogic's Bank Statement Aggregation product to provide clients with data insights for credit-granting decisions.
• Vergent LMScoreChannel Partner/ Reseller/ DistributorListed as a Trusted-By logo and partner; press coverage describes Vergent LMS + DecisionLogic providing enhanced verification services to lenders.
• Totality LMScoreChannel Partner/ Reseller/ DistributorFeatured Trusted-By partner; integration announced 11/18/2025 with a suite of underwriting tools.
• InsightcoreChannel Partner/ Reseller/ DistributorTrusted-By partner; Insight quotes that DecisionLogic's commitment to real-time bank data with accuracy and speed perfectly complements its mission to help lenders make smarter decisions.
• CentrexminorChannel Partner/ Reseller/ DistributorListed as Trusted-By logo; Centrex integration partner using DecisionLogic.
• DecisionProminorChannel Partner/ Reseller/ DistributorListed as Trusted-By logo; partner integrating DecisionLogic.
• ConvergeHubcoreChannel Partner/ Reseller/ DistributorListed as Trusted-By logo; CRM platform partner bundling DecisionLogic verification.
• SparkLMSminorChannel Partner/ Reseller/ DistributorListed as Trusted-By logo; LMS partner bundling DecisionLogic verification.
• DigiFicoreChannel Partner/ Reseller/ DistributorListed as Trusted-By logo; digital-lending platform partner using DecisionLogic.
• OnyxIQminorChannel Partner/ Reseller/ DistributorListed as Trusted-By logo; partner using DecisionLogic.
• FundingocoreChannel Partner/ Reseller/ DistributorListed as Trusted-By logo; MCA lending platform partner using DecisionLogic.
• Launcher.SolutionscoreChannel Partner/ Reseller/ DistributorListed as Trusted-By logo; LOS partner using DecisionLogic.
• EPIC Loan SystemscoreChannel Partner/ Reseller/ DistributorListed as Trusted-By logo; lender software partner using DecisionLogic.
• SmartMCAminorChannel Partner/ Reseller/ DistributorListed as Trusted-By logo; MCA platform partner using DecisionLogic.

Scale indicators12 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Plaid: Plaid is a leading open-banking/financial-data connectivity platform offering Auth (account verification), Identity, Balance, Transactions, and Income products. It is the dominant US account-verification competitor to DecisionLogic and serves consumer lenders, fintechs, and enterprise financial institutions with similar IAV/IDV use cases at much larger scale.
• Finicity (Mastercard): Finicity, owned by Mastercard, provides bank-data aggregation, account verification, and cash-flow analytics for lenders, fintechs, and financial institutions. Its products directly overlap DecisionLogic's IAV and Summary Analytics capabilities, and the Mastercard backing gives it competitive scale in the same consumer-lending market.
• MX Technologies: MX Technologies is a financial-data platform offering account verification, aggregation, and money-management experiences to banks, credit unions, and fintechs. Its verification and analytics products compete with DecisionLogic's IAV and analytics modules, particularly in the lending and account-opening workflows.
• Yodlee (Envestnet): Yodlee, part of Envestnet, is one of the longest-standing financial-data aggregation and account-verification platforms, serving lenders and fintechs with transaction data, balance checks, and risk analytics. It overlaps with DecisionLogic's IAV, account aggregation, and analytics capabilities, particularly for lending underwriting.

Direct peers

• Akoya: Akoya is a data-access network providing secure, permissioned financial-data sharing between financial institutions and authorized data recipients. It targets the same account-verification and consumer-permissioning use cases as DecisionLogic's blended Open Banking + aggregator stack.
• Flinks: Flinks is a Canadian-based account-verification and Open Banking platform serving lenders and fintechs in North America. It competes directly with DecisionLogic's IAV product for the Canadian consumer-lending and fintech market and offers comparable bank-data connectivity and identity verification.
• Truv (formerly Citadel): Truv provides employer and income verification, account verification, and identity verification for lenders, payroll providers, and fintechs. It is a direct competitor to DecisionLogic's Income Stability Score and IDV (DL Match) products in the consumer- and SMB-lending underwriting workflow.
• Pinwheel: Pinwheel is a payroll-data connectivity platform offering income and employment verification, direct-deposit switching, and account verification for lenders and fintechs. Its income/asset verification products compete with DecisionLogic's Income Stability Score and IAV in the consumer-lending underwriting workflow.
• MicroBilt: MicroBilt provides consumer and business credit data, bank-account verification, and risk analytics to lenders and collections firms. Its Account Verification and KYC products directly compete with DecisionLogic's IAV and DL Match offerings, particularly in subprime and small-business lending.

Regional players

• Token (Token.io): Token.io is a European Open Banking account-to-account payment and data-initiation platform serving banks, lenders, and fintechs under PSD2. It is comparable to DecisionLogic's verification stack but primarily serves UK and EU markets that DecisionLogic has not yet entered, making it a regional peer rather than direct US competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/clarilogic-inc.

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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 DecisionLogic