Products
Products
Account Information Services
Aggregated Bank Data
Transactions & E-Statements
Payment Initiation Services
Verification Services
Risk Assessment Tool
About
About
Developers
Developers
AR
Contact Sales
Products
Account Information Services
Aggregated Bank Data
Transactions & E-Statements
Payment Initiation Services
Verification Services
Risk Assessment Tool
Developers
About
EN
AR
Contact Sales
EXPLORE THE RISK ENGINE
Region's first comprehensive Risk Assessment Tool
A smarter, faster way to assess risk with zero code.
Contact Sales
View API docs
KEY CAPABILITIES
Risk engine highlights
In-depth Affordability Analysis
Quickly assess customer affordability with detailed open banking data.
Extended History Review
Access longer banking histories for more accurate financial behavior analysis.
Enhanced Fraud Detection
Detect fraud early with real-time access to verified financial data.
Comprehensive Data Insights
Get a 360° view of customer risk using rich data from multiple banks.
USE CASES
Unlock real value
Lending & Affordability Checks
Use income and spending insights to assess customer affordability, reduce default risk, and make informed lending decisions.
BNPL Risk Assessment
Verify identity, income patterns, and behavior to enable safe, real-time approvals at checkout.
Mortgage Pre-qualification
Evaluate long-term financial behavior and income trends to streamline pre-approval and reduce friction in the application process.
PRODUCT
A no-code risk engine for faster, smarter decisions
Spare's risk engine evaluates affordability, behavior, and creditworthiness — instantly and without coding.
Learn more
Ready to elevate your risk strategy with smarter data?
Start with a no-code API that's built for decision-making
Contact Sales
Contact us
Get in touch
Let's build your business. Reach out to our team and we'll be in touch