SPENDiD API
Predictive financial intelligence for the decisions your users are trying to make
Give your product realistic wage, housing, childcare, household-budget, and affordability insights without requiring users to connect a bank account.
Predictive, not tracking. No bank connection required.
Partner use cases
How partners put SPENDiD to work
Six sectors, six representative synthetic scenarios. Open a card to see the inputs, the outputs SPENDiD can return, and how the partner could use them.
Capabilities
- Occupation-to-income by location
- Localized expense projections
- Predictive household budgeting
- Peer benchmarks
- Fair Market Rent by location
- Budget Health Score
- Alternative credit-adjacent metrics
- Scenario comparison
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What the API does not do
- — It does not make lending decisions.
- — It does not replace credit scores or bureau data.
- — It does not require bank account linking or account aggregation.
- — It does not guarantee approvals, denials, or regulatory outcomes.
Pricing
Pricing depends on use case, implementation model, audience size, and integration needs.
SPENDiD does not make lending decisions and is not a credit score.