Question 1

Does SPENDiD require bank account linking?

Accepted Answer

No. SPENDiD's projections and signals are built from occupation, location, household context, and modeled data — not from bank aggregation or account linking.

Question 2

Is SPENDiD a credit score?

Accepted Answer

No. SPENDiD provides affordability context, cash-flow health signals, and predictive budgeting. It is not a credit score and does not replace one.

Question 3

Does SPENDiD make lending decisions?

Accepted Answer

No. SPENDiD does not make lending decisions, underwrite, approve, or deny anyone. It provides context that platforms, advisors, and institutions may use alongside their own processes.

Question 4

How does occupation-to-income by location work?

Accepted Answer

SPENDiD combines occupation, geography, experience level, and local wage data to estimate a realistic income range for a given role in a given market. It is an estimate for planning purposes, not a guarantee.

Question 5

What is cash-flow health intelligence?

Accepted Answer

Cash-flow health intelligence evaluates whether a projected financial scenario appears stable, stretched, or at risk — based on income, expenses, household context, and affordability patterns. It is a signal and context layer, not a decision.

Question 6

How can SPENDiD support users with limited credit history?

Accepted Answer

For thin-file users, SPENDiD offers credit-adjacent affordability context — forward-looking, cash-flow-oriented signals that can complement traditional credit data. SPENDiD does not make lending decisions and is not a credit score.

Question 7

How is LifePreview different from a traditional budgeting app?

Accepted Answer

Traditional budgeting apps look backward at money that has already moved. LifePreview looks forward — helping people see what a career, education path, or move may support financially before the decision is made.

Question 8

Who is SPENDiD built for?

Accepted Answer

Fintech platforms, credit unions, lenders and financial wellness providers, schools and workforce programs, advisors and coaches, employers running financial wellness programs, and — through LifePreview — students, families, and early-career users served by those institutions.

Question 9

How is SPENDiD delivered?

Accepted Answer

Three ways: the SPENDiD API for platforms and institutions, the SPENDiD Widget for embedded partner experiences, and LifePreview by SPENDiD for institution-led, human-facing decision experiences.

Question 10

How does SPENDiD build its affordability context and peer benchmarks?

Accepted Answer

SPENDiD uses modeled household budget data, location-based cost assumptions, wage and expense inputs, and peer comparison logic to provide affordability context. It does not perform real-time transaction analysis or consumer bank-data aggregation.

Question 11

How much does SPENDiD cost?

Accepted Answer

Pricing depends on use case, implementation model, audience size, and integration needs. Reach out to discuss a fit for your organization.

Question 12

How can my institution bring LifePreview to the people we serve?

Accepted Answer

LifePreview is delivered through partner institutions — schools, career centers, CTE and workforce programs, credit unions, financial wellness partners, and advisor/parent-student support programs. Request a demo to discuss enabling it for your audience.

Straight answers about what SPENDiD is — and isn't.