Valiify
- Company typePrivate
- Founded2013
- HeadquartersTuscaloosa, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
Valiify firmographics
Firmographics- Name
- Valiify
- Legal name
- Valiify INC
- Website
- https://valiify.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Valiify industry classification
Industry- Product category
- Digital Banking Software (Account Opening and Loan Origination)
- NAICS
- Activities Related to Credit Intermediation (5223)
- akta.pro primary industry
- Digital Account Opening & Onboarding (eKYC, eSignature, Origination) (FSAGAAAB)
- akta.pro secondary industry
- Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)
Keywords
Where Valiify is headquartered
LocationHeadquarters
- HQ city
- Tuscaloosa
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Valiify 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: Valiify operates as a B2B SaaS platform providing digital account opening and loan origination solutions to financial institutions on a subscription basis. The platform is sold as an integrated solution that replaces legacy systems, with pricing likely based on institution size, account volume, or tiered subscription models.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Custom enterprise pricing based on institution size and requirements |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels4 records
Valiify product offering
Product offeringCore offering
Valiify sells an all-in-one digital account opening and loan origination SaaS platform for community banks and credit unions. The platform unifies retail account opening, business account opening, and end-to-end consumer loan origination with real-time KYC/KYB, automated credit decisioning, compliance dashboards, and instant payment disbursements. It integrates directly with core banking systems such as Symitar to replace fragmented legacy onboarding and lending workflows.
Product overview
Valiify is an all-in-one digital account opening and loan origination platform designed for banks and credit unions. The platform consists of three core products: Retail Account Opening (digital account opening for consumers), Business Account Opening (automated business account workflows), and Loan Origination System (end-to-end lending from application through funding and compliance). The platform is unified, modular, and built on cloud-native architecture with microservices support and extensible API services. A Payfinia IPX integration enables instant loan disbursements as an embedded feature.
Differentiator
Problem solved
Functional benefit
Products and services
- Loan Origination System End-to-end loan origination platform that automates credit decisioning, performs instant financial analysis including real-time income analysis and ability-to-repay calculations, runs policy-based checks, collects digital documentation, supports e-signatures, and provides immediate funding capabilities for community banks and credit unions.
- Retail Account Opening Mobile-first digital account opening solution for community banks and credit unions that enables consumers to open retail deposit accounts in under 5 minutes, with real-time KYC verification, pre-filled applications using trusted third-party data, instant funding via ACH or debit/credit card, dynamic customizable workflows, AI-based cross-sell recommendations, and an integrated compliance dashboard.
- Business Account Opening Automated business account opening solution for community banks and credit unions that supports multi-owner business applications, real-time KYB verification, guided workflows for omnichannel in-branch and digital experiences, streamlined document collection, and authorized signer setup.
Quantifiable outcome
- 41% reduction in application processing time
- +3 more outcomes
Companies that use Valiify
Customer profileNamed customers4 records
Segments2 records
Ideal customer profiles2 records
Valiify technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability7 records
Feature7 records
Valiify partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered customer-partner and core integration partner.
- North Alabama Educators Credit Unioncustomer-partnerNorth Alabama Educators Credit Union partnered with Valiify to replace its legacy system with a digital platform for automating loan and account onboarding processes. This partnership enables faster application processing, improved compliance, and round-the-clock member access for its 11,000+ members.
- Universal City Studios Credit Unioncustomer-partnerUniversal City Studios Credit Union partnered with Valiify to automate onboarding and lending processes on its existing Symitar core system. The implementation connects deposit onboarding and consumer lending into a single system, reducing time-to-funding from days to hours.
- Payfiniacore integration partnerValiify's integration with Payfinia's Instant Payment Xchange (IPX) enables instant loan disbursements. This deeply embedded solution moves funds automatically once approvals are cleared without separate portals or manual uploads—funds hit borrower accounts in minutes.
- Comunidad Latina Credit Unioncustomer-partnerComunidad Latina Credit Union adopted Valiify's digital account opening to provide bilingual account opening access 24/7, removing physical barriers to financial inclusion for working families in Santa Ana.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Valiify competitors and assessment
Company assessmentDirect peers
- Blend: Blend provides a digital consumer lending and account opening platform for banks and credit unions, with comparable consumer-lending and deposit-account workflows to Valiify's retail and lending modules.
- nCino: nCino offers a cloud-based bank operating system with loan origination and account opening workflows sold to banks and credit unions, competing head-to-head with Valiify's unified origination pitch.
- MeridianLink: MeridianLink provides loan origination, account opening, and digital banking software to credit unions and community banks, overlapping directly with Valiify's unified DAO + LOS platform for the same FI ICP.
Broad incumbents
- Fiserv: Fiserv is a large core and digital banking provider serving many of the same credit unions and community banks as Valiify, with bundled account opening and lending capabilities that compete on breadth.
- Q2 (now part of Alkami): Alkami's Q2 platform delivers digital banking and account opening experiences to community banks and credit unions, overlapping Valiify's retail DAO and digital front-end capabilities.
- Jack Henry (Symitar / Banno): Jack Henry owns the Symitar core that Valiify integrates with and also offers Banno digital banking, making it both a critical partner and an incumbent competitor that could bundle its own DAO and LOS features.
Regional players
- Lendio: Lendio operates a small-business loan marketplace and origination platform serving U.S. FIs and SMBs, with overlapping loan-routing and origination infrastructure relevant to Valiify's business account opening and lending modules.
- LendingClub: LendingClub operates a U.S. consumer lending and deposit marketplace that, while more consumer-facing, is relevant to the credit decisioning and instant funding capabilities Valiify enables inside credit unions.
Emerging players
- Tavant: Tavant provides digital lending and loan origination solutions to banks and credit unions, intersecting with Valiify's LOS and consumer lending workflows at community FIs.
- Baker Hill: Baker Hill offers lending, origination, and CRM software focused on community banks and credit unions, with overlapping loan-origination and small-business banking use cases.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Valiify social profiles
Digital presenceValiify compliance and trust
Trust signalCompliance1 record
Valiify financial estimates
Financial estimateRevenue estimate
Valuation estimate
Valiify leadership team
Management profileNumber of profiles
Profiles3 records
Valiify funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Valiify 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 Valiify
What does Valiify do?
Valiify sells an all-in-one digital account opening and loan origination SaaS platform for community banks and credit unions. The platform unifies retail account opening, business account opening, and end-to-end consumer loan origination with real-time KYC/KYB, automated credit decisioning, compliance dashboards, and instant payment disbursements. It integrates directly with core banking systems such as Symitar to replace fragmented legacy onboarding and lending workflows.
Is Valiify a public or private company?
Valiify is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Valiify founded?
Valiify was founded in 2013. It employs 11 to 50 people.
Where is Valiify based?
Valiify is headquartered in Tuscaloosa, United States, in the North America region.
How does Valiify make money?
One revenue line is on record: saaS Platform Subscription.
Who are Valiify's main competitors?
Direct peers on record are Blend, nCino and MeridianLink. Broad incumbents are Fiserv, Q2 (now part of Alkami) and Jack Henry (Symitar / Banno). Regional players are Lendio and LendingClub. Emerging players are Tavant and Baker Hill.
Does Valiify have an API?
No public API is recorded for Valiify.
What industry is Valiify in?
Valiify's product category is Digital Banking Software (Account Opening and Loan Origination). Its primary akta.pro industry code is FSAGAAAB, Digital Account Opening & Onboarding (eKYC, eSignature, Origination), with a secondary code of FSAGALAE, Embedded Deposit Accounts & Digital Wallet Infrastructure. Its NAICS code is 5223.