EDGE, the cashflow bureau helping lenders turn bank transaction data into explainable, machine learning-developed scores and attributes for lending and rental screening, today announced a partnership with Socure, the leading AI-native trust infrastructure powering identity intelligence and risk decisions for the world. 

Through the partnership, EDGE Screen will integrate Socure-powered identity and fraud signals with EDGE cashflow bureau intelligence, delivering a single, top-of-funnel screening view that does not require bank authentication. The combined offering helps lenders evaluate consumers earlier in the process, giving them greater visibility into financial behavior, identity confidence, and fraud risk. 
 
Consumer lenders need more than insight into applicants’ financial health. They also need identity confidence to know which leads are likely to meet underwriting criteria. These combined signals matter most at the top of the funnel. Limited visibility there wastes marketing spend, adds manual review later in the process, and erodes portfolio performance. 

EDGE operates as a consumer reporting agency under the Fair Credit Reporting Act and issues consumer reports derived from cashflow data. As a cashflow bureau, EDGE provides cashflow-derived intelligence that lenders use in regulated credit workflows, including lead screening, underwriting, and loan servicing. 

“EDGE was built to enable lenders to make better decisions across the credit lifecycle, beginning with powerful cashflow insights,” said Brian Reshefsky, founder and CEO of EDGE. “At the top of the funnel, lenders need to understand more than financial behavior. They also need confidence in identity and clearer signals of potential fraud risk. Bringing Socure-powered identity and fraud intelligence alongside EDGE’s cashflow insights gives lenders a broader view of consumers. For applicants who match the EDGE Network, EDGE Screen can return the available intelligence to the lender in milliseconds, without requiring a new bank login or account reconnection. That noncredentialed feedback loop is what makes the solution work at the top of the funnel, helping lenders reduce wasted marketing spend and unnecessary application friction.” 

As AI-generated identities and synthetic fraud accelerate, that intelligence matters most at the earliest point in the lending process. By pairing EDGE cashflow intelligence with Socure-powered identity and fraud signals, EDGE Screen helps lenders better understand who they are evaluating, how that consumer is behaving financially, and whether the lead is worth advancing before it is priced or purchased. 

"Fraud shows up early in the application process, often before a lender ever sees a bank connection," said Johnny Ayers, founder and CEO of Socure. "AI has made it possible for fraudsters to look nearly identical to real people from the very first interaction, which is exactly where legacy checks fall short. Getting identity and fraud signals right at that early stage changes everything that follows, from underwriting to portfolio performance. Partnering with EDGE brings identity and fraud intelligence into a combined top-of-funnel view alongside the cashflow intelligence lenders already use, so they know who they're evaluating before they ever request a new connection." 

Socure is the leading global trust infrastructure provider, delivering identity verification and risk decisioning solutions to more than 3,000 organizations across 190+ countries, including 19 of the top 20 U.S. banks and more than 2,000 fintechs. Socure's identity intelligence combines a Local Graph, giving each organization an institution-specific view of every customer, with their Global Graph, providing global insights to institutions based on Socure’s 3,000 customers spanning more than a billion identities. This ensures organizations have a deeper level of data and insights to fight more sophisticated AI fraud attacks. Together, EDGE and Socure give lenders a clearer, more complete view of applicants from the very first interaction.