# Solo.one LLM Index SOLO is a bureau built as an engine and scaled through a network. Designed to collect, resolve, and share customer data across silos and institutions — with customer consent at the center of every action. ## Pages - SOLO | The Collaborative Financial Data Network - URL: https://solo.one/ - Markdown: https://solo.one/md - Description: SOLO is a collaborative Data Sharing Network for onboarding, underwriting, and consent-driven financial workflows. - Summary: A collaborative customer record that eliminates restarts. Data is collected once, reused across workflows, and shared with consent. One customer record, |updated by the industry heading-56 purple solid button page consultation Book a consultation /templates href Explore data products textLink post why-100-banks-backed-solo Why 100+ Commu… - AI Builders | Decision-Ready Financial Intelligence - URL: https://solo.one/ai-builders - Markdown: https://solo.one/md/ai-builders - Description: Train agents, scores, customer personalization, and AI models on licensed, governed data from regulated financial institutions. - Summary: Build and ship models, agents, and scores with co-invested, compliant banks and fintechs. Governed data supply, defensible distribution. purple solid /templates href Explore Data button page consultation Book Consultation textLink AI Builders - SOLO for Banks | Trusted Financial Data Sharing - URL: https://solo.one/banks - Markdown: https://solo.one/md/banks - Description: Access reusable customer data, streamline workflows, and improve decision-making with governed data sharing. - Summary: Collect and reuse governed network data from hundreds of bank and fintech programs, while participating in the value your data creates across the network. Turn data sharing and data collection into a strategic advantage. purple solid /templates href Explore products button /data-pl Build your Data P&L textLink Banks - Watch the 1033 Town Hall with CFPB Policy Makers - URL: https://solo.one/blog/1033-open-banking-panel - Markdown: https://solo.one/md/blog/1033-open-banking-panel - Description: The Verdict: Open Banking Can’t Afford Another Patchwork 1033. Watch the Town Hall with Founding CFPB Member, Former CFPB Staffer, and Industry Advocates. Presented by SOLO. - Summary: When the Consumer Financial Protection Bureau first proposed its rule under Section 1033 of Dodd-Frank, the aim was deceptively simple: give consumers greater control over their financial data. Nearly a decade later, the future of open banking seems more vulnerable than ever before.  normal At SOLO’s recent Open Banking Town Hall, o… - AFC Announces SOLO’s Membership to Build the Bank & Fintech-Governed Future of Open Banking - URL: https://solo.one/blog/afc-partners-with-solo-on-open-banking - Markdown: https://solo.one/md/blog/afc-partners-with-solo-on-open-banking - Description: The American Fintech Council (AFC) announced its support of SOLO’s Customer Data Clearinghouse for open banking. This milestone advances a shared mission to protect consumer data rights, promote innovation, and prevent monopolistic control in financial services. - Summary: The 000si American Fintech Council (AFC), the premier industry association representing responsible fintech companies and innovative banks, today announced the addition of SOLO as its newest member. This follows the public launch of SOLO’s 000sl Customer Data Clearinghouse , an industry-governed network for cross-institution data sharing… - Automated Decisioning Cannot Exist Without Autonomous Reporting - URL: https://solo.one/blog/ai-credit-decisioning-vs-autonomous-reporting - Markdown: https://solo.one/md/blog/ai-credit-decisioning-vs-autonomous-reporting - Description: By the founder and CEO of SOLO, an embedded platform that provides capital markets with real-time access to autonomously reported, standardized and verified financial statements of SMBs. - Summary: Imagine a world where "AI VC", “AI Bank” or "AI Financing" entities could deploy capital independently, without the need for investment committees, bank officers, or credit analysts. normal What would it take to make this a reality, harnessing AI to deploy capital to businesses with no human intervention? While we can't claim to have all… - 0 Proof to 100 Conclusions: Introducing The OneTrust Framework - URL: https://solo.one/blog/automated-credit-data-infrastructure - Markdown: https://solo.one/md/blog/automated-credit-data-infrastructure - Description: In our framework credit becomes a shared language, transformed from a single score, into a single source. - Summary: Trust Begins with One Shared Language h2 What does it take to build a collaborative credit bureau, where trust is earned at every step? normal Credit scoring is essentially an attempt at measuring trust based on a standardized aggregated of verified identity, behaviors, and probability of one's ability to deliver on a promise. But we bel… - Case Study: Breakout Finance Scaled Underwriting Power to 10x Originations - URL: https://solo.one/blog/automated-underwriting-case-study - Markdown: https://solo.one/md/blog/automated-underwriting-case-study - Description: With SOLO <> Taktile to Automate SMB Loan Origination through Underwriting - Summary: Meet Breakout Finance normal Founded in 2010, 001a4 Breakout Finance is a B2B lender built around a simple goal: to empower small businesses across the United States by providing tailored financial solutions. In the past 15 years they have delivered $1 Billion+ in funding through a diverse set of products, including working capital loans… - Open Banking Updates: Response to CFPB's August 2025 ANPR (1033 Changes) - URL: https://solo.one/blog/cfpb-anpr-open-banking-response - Markdown: https://solo.one/md/blog/cfpb-anpr-open-banking-response - Description: On August 22, 2025 the CFPB filed the Advance Notice of Proposed Rulemaking (ANPR), which highlights the key focus areas for the CFPB's revisions of 1033. SOLO analyzes through the lenses of governance, economics, and architecture. - Summary: On August 22, 2025 the CFPB filed the 000oa Advance Notice of Proposed Rulemaking (ANPR), which highlights the CFPB’s key focus areas for revisions of its November 2024 000od Personal Financial Data Rights (PFDR). href normal The CFPB breaks this proposed rule into 4 key sections: Scope of Who May Make a Request on Behalf of a Consumer b… - Template: Underwriting Document Automation to Flag and Follow Up On Missing Info - URL: https://solo.one/blog/credit-document-ai-for-missing-fields - Markdown: https://solo.one/md/blog/credit-document-ai-for-missing-fields - Description: Flag & Follow Up on Missing Information in Broker Applications. SOLO's template for credit and lending teams automates the admin of broker submissions for underwriters. - Summary: strong Tired of chasing down missing info in documents from brokers? Lenders receiving a high volume of applications from ISOs or brokers often suffer from fragmented paperwork, incomplete submissions, and underwriters bogged down in manual cleanup. normal That’s why we built a new 001w9 Flag & Follow-Up template—available soon insid… - From the Dinner Series: Is Credit Overdue for an Unbundling? - URL: https://solo.one/blog/credit-unbundling-solo-one-fintech - Markdown: https://solo.one/md/blog/credit-unbundling-solo-one-fintech - Description: Hot Takes from the SOLO Credit Dinner Series II: Lending Pessimism, The Unbundling of Credit, Restructuring Credit Product Strategies, and Why It All Circles Back to Trust. - Summary: Like many of you, our team spent the week with banking  and fintech’s finest at Fintech Meetup in Las Vegas, NV. On night one, we were privileged to host a dozen bankers and credit experts alongside our friend 00179 Alex Johnson, Founder of Fintech Takes , for the second installment of our Credit Dinner Series.  href normal Clo… - Who Gets Credit for Trust? | Open Banking and Consumer Permissioned Data Sharing - URL: https://solo.one/blog/data-ownership-in-open-banking - Markdown: https://solo.one/md/blog/data-ownership-in-open-banking - Description: Everyone's asking the wrong questions about data ownership. The reality of customer permissoined data sharing in open banking: if you don’t fix how trust is monetized, you’ll never fix how it’s shared. - Summary: Incentivized Data Hoarding h3 Six months ago, we started convening private conversations — with bankers, fintech execs, policymakers, and frustrated customers — to unpack one deceptively simple question: normal strong Who gets paid for building trust in financial services? Not for storing data. Not for moving it. But for doing the real w… - From Copy-Paste to Competitive Edge: Unlocking Efficiency with Data Portability - URL: https://solo.one/blog/data-portability-for-lending - Markdown: https://solo.one/md/blog/data-portability-for-lending - Description: The key to origination, underwriting, and lending efficiency in 2025: a data activation layer that make an existing tech stack behave like 1 system, not 10. - Summary: What Works for Fintechs Breaks in Banks h4 Back in 2003, the average loan officer 00122 closed 100+ loans a year. href normal Today? Just strong 28 . Even with better lending tech, smarter tools, and more “systems,” output has collapsed. Why? I just got back from 2 eventful days in Chicago with 100+ of our community bank investors at the… - The Banker’s Roadmap to Digital Lending - URL: https://solo.one/blog/digital-lending-bankers-roadmap - Markdown: https://solo.one/md/blog/digital-lending-bankers-roadmap - Description: An Action Plan for Transforming Customer Data Collection from a Costly Liability to a Revenue-Generating Asset. - Summary: em This article is excerpted from strong The Banker's Roadmap to Digital Lending . 001o3 Download the full White Paper below. #download href normal The State of Credit h2 Community banking is in a deciding moment. How, and should, community institutions introduce a digital lending platform? “We have to evolve. And there's certainly an ac… - High Conversion Digital Lending Master Class - URL: https://solo.one/blog/high-conversion-digital-lending-masterclass - Markdown: https://solo.one/md/blog/high-conversion-digital-lending-masterclass - Description: How Rob Frohwein, Co-Founder of Kabbage, mastered high conversion financing and exponential origination rates. - Summary: Requesting access to an account. Will it ruin application rates or power an 85% conversion rate like Kabbage? Learn how to... 1. Incentivize borrowers to opt into data sharing. 2. Leverage connections to increase customer value. 3. Maintain connections to shape product innovation. From the Co-founder and CEO with a proven record of: → 85… - How it Works: SOLO's Collaborative Data Sharing Network - URL: https://solo.one/blog/how-solo-works-for-fintechs-banks - Markdown: https://solo.one/md/blog/how-solo-works-for-fintechs-banks - Description: SOLO is the first collaborative data sharing network that enables true open banking by making customer data portable across banks and fintechs, delivered seamlessly into workflows like onboarding, compliance, and underwriting. - Summary: SOLO is the first collaborative data sharing network that enables true open banking by making customer data portable across institutions and fintechs with strong governance , delivered seamlessly into workflows like onboarding, compliance, and underwriting.  normal For banks, fintechs, and partners in our network, SOLO enables: Pre-… - SOLO Names Mick Mulvaney Advisory Board Chairman - URL: https://solo.one/blog/mick-mulvaney-joins-solo-fintech - Markdown: https://solo.one/md/blog/mick-mulvaney-joins-solo-fintech - Description: SOLO Names Mick Mulvaney Advisory Board Chairman as FICO and JPMorgan Turn Against Data Intermediaries, Signaling a Shift in How Trust and Credit Are Built. SOLO is the first collaborative data sharing network making customer data portable across institutions and fintechs, delivered seamlessly into workflows like onboarding, compliance, and underwriting. - Summary: As first reported by strong 000a5 PoliticoPro. href normal SOLO, a rapidly growing customer data sharing network backed by more than 100 community and regional banks, announced the appointment of Mick Mulvaney, former Director of the Consumer Financial Protection Bureau (CFPB), Director of the Office of Management and Budget (OMB), and W… - SBA Lead Generation: Originations via Borrower Readiness - URL: https://solo.one/blog/sba-lead-generation-originations-via-borrower-readiness - Markdown: https://solo.one/md/blog/sba-lead-generation-originations-via-borrower-readiness - Description: Aligning Credit, Customer Acquisition Strategy, and Customer Experience for Strategic and Scalable SBA Loan Originations - Summary: I spent the last couple of years prior to SOLO on an SBA and USDA lead generation team at a community bank, scaling SBA and USDA loan originations through digital strategies. Any government guaranteed lending team already knows what I learned there:  normal It’s really difficult to originate GGL loans. Especially in the digital land… - The Echo Chamber That Almost Killed Fintech’s Small Business Lending Landscape - URL: https://solo.one/blog/self-reported-financials-vs-automated-borrower-loan-documents - Markdown: https://solo.one/md/blog/self-reported-financials-vs-automated-borrower-loan-documents - Description: And SOLO's Playbook for Banks - Summary: On one of our diligence calls before BankTech Ventures invested in 001i2 SOLO , 001i5 Carey Ransom said something that stuck with me (I still have the notes): href normal “There are three types of small businesses." He went on to break it down: strong Small by Age: New businesses aiming to grow into something much larger. This is the sma… - Clearinghouse FAQs: SOLO's Consumer Permissioned Open Banking - URL: https://solo.one/blog/solo-consumer-permissioned-data-sharing - Markdown: https://solo.one/md/blog/solo-consumer-permissioned-data-sharing - Description: Frequently asked questions regarding SOLO's Clearinghouse, a portable trust network that creates "relationship memory"—allowing institutions to recognize your verified history instead of treating you like a new applicant each time. - Summary: How does SOLO's Clearinghouse benefit the consumer? h3 SOLO eliminates the frustration of repeatedly submitting the same documents and explanations to every financial institution. Imagine never having to re-explain why your tax return address differs from your utility bill or re-upload the same files for every application. normal The imm… - NEW: The First Bank-Led Network for Customer Data Sharing - URL: https://solo.one/blog/solo-customer-data-clearinghouse - Markdown: https://solo.one/md/blog/solo-customer-data-clearinghouse - Description: SOLO, Backed by 100+ Banks, Announces the First and Largest Bank-Led Customer Data Sharing Network - Summary: strong SOLO, Backed by 100+ Banks, Announces the First and Largest Bank-Led Customer Data Sharing Network normal NEW YORK, NY – July 24, 2025 — SOLO , backed by over 100 community and regional banks and growing quickly, announced the launch of its Customer Data Clearinghouse — the first and largest consumer-consented data sharing network… - SOLO Founder, Georgina Merhom, On the Data and Banking Dilemma - URL: https://solo.one/blog/solo-fintech-ceo-georgina-merhom-on-the-data-dilemma - Markdown: https://solo.one/md/blog/solo-fintech-ceo-georgina-merhom-on-the-data-dilemma - Description: Georgina Merhom discusses SOLO's model for open banking through the lens of CFPB 1033. Read the full conversation about the future of data portability in financial services. - Summary: em The following is excerpted from its original publication in 000ij Future Nexus . href normal Amidst the litigious frenzy that threw the future of open banking in the air, SOLO, a data-collection platform and privatized bureau backed by 000io BankTech Ventures , announced the launch of its 000ir Customer Data Clearinghouse , positionin… - SOLO's Multi-Lateral Network for Open Banking - URL: https://solo.one/blog/solo-multi-lateral-open-banking-network - Markdown: https://solo.one/md/blog/solo-multi-lateral-open-banking-network - Description: A deep dive into the architectural shifts SOLO's infrastructure brings to open banking, as seen in This Week in Fintech. - Summary: em This article is excerpted from its original publication by 000bp strong This Week in Fintech . href normal The  000bu Dodd-Frank Section 1033 debate  in the US is the latest to highlight that consumer data access– whether in financial or non-financial contexts– is subject to questions around who bears the commercial and lega… - SOLO PULL Demo - URL: https://solo.one/blog/solo-pull-demo - Markdown: https://solo.one/md/blog/solo-pull-demo - Description: PULL provides frictionless access to a 360-degree view of your customer, enabling a customized experience tailored to each individual from the moment you meet. - Summary: SOLO’s credit data platform transforms how customer financials are collected and activated for banks and lenders. normal Backed by a network of 001te 100+ community banks , SOLO developed a product for and alongside bankers to drive 40% underwriting cost reduction while improving lifetime value per customer. /blog/why-100-banks-backed-so… - Open Banking Podcast on the Future of Bank x Fintech Data Sharing - URL: https://solo.one/blog/source-of-truth-podcast-fintech-takes-solo-finance - Markdown: https://solo.one/md/blog/source-of-truth-podcast-fintech-takes-solo-finance - Description: What does the future of data portability for fintech and banks look like? Introducing Source of Truth a new podcast series hosted by Alex Johnson, Fintech Takes, to dive into the biggest questions on the future of data sharing, credit, and information asymmetry in financial services. Presented by SOLO, for financial institutions and lenders. - Summary: In recent years, open banking has added APIs, alternative data, and automation. Yet, the core process of collecting and trusting information still looks much like it did decades ago. Why? And what can be done to reshape that process in a more fundamental way? normal Introducing Source of Truth a new podcast series hosted by 000ex Alex Jo… - TechCrunch: SOLO’s new credit bureau concept helps lenders ditch third-party data - URL: https://solo.one/blog/tech-crunch-features-next-gen-credit-bureau - Markdown: https://solo.one/md/blog/tech-crunch-features-next-gen-credit-bureau - Description: SOLO’s new collaborative credit bureau concept transforms how customer financials are collected and activated for lenders. - Summary: em Excerpted from 00249 TechCrunch.com href normal Credit bureaus relying on outdated third-party data are only getting a small piece of the puzzle, 0024d Georgina Merhom says. “The credit bureaus are super relevant, but when it’s used to identify that a person didn’t pay one bill on time, it’s a punishment. If you are only following the… - 100+ Community Banks Invest in SOLO to Transform Credit Underwriting for Banks - URL: https://solo.one/blog/why-100-banks-backed-solo - Markdown: https://solo.one/md/blog/why-100-banks-backed-solo - Description: Customer-permissioned data sharing makes credit more dynamic, transparent and accessible. - Summary: 0015u BankTech Ventures , a strategic investment fund and ecosystem serving community banks and bank technology entrepreneurs, has invested in 0015x SOLO , a collaborative data collection platform that transforms underwriting from an expensive, one-time, opaque process into an ongoing, proactive, and transparent system that identifies th… - Breakout Finance Scaled Underwriting Power to 10x Originations - URL: https://solo.one/case-studies/automated-underwriting-case-study - Markdown: https://solo.one/md/case-studies/automated-underwriting-case-study - Summary: Meet Breakout Finance normal Founded in 2010, 001a4 Breakout Finance is a B2B lender built around a simple goal: to empower small businesses across the United States by providing tailored financial solutions. In the past 15 years they have delivered $1 Billion+ in funding through a diverse set of products, including working capital loans… - Business Bank Account Conversion Scores Improve by 55% - URL: https://solo.one/case-studies/business-bank-accounts - Markdown: https://solo.one/md/case-studies/business-bank-accounts - Summary: Coming soon. normal - Conversion Improvements on Consumer Onboarding - URL: https://solo.one/case-studies/consumer-deposit-account-opening - Markdown: https://solo.one/md/case-studies/consumer-deposit-account-opening - Summary: Coming soon. normal - Conversion Scorecard: the Highest Conversion UX in Fintech - URL: https://solo.one/case-studies/conversion-scorecard-intro - Markdown: https://solo.one/md/case-studies/conversion-scorecard-intro - Description: A study of customer conversion across fintech and banking - who wins, who falls behind, and what changes with a governed customer data sharing network. - Summary: strong A study of customer conversion across the industry today vs. backed by a single source of customer data built and maintained by the industry. normal It’s assumed today that fintech has cracked the code on high conversion experiences. Real consumer experiences tell a different story. What is the real state of customer conversion ac… - About SOLO | A Single Shared Customer Record - URL: https://solo.one/company - Markdown: https://solo.one/md/company - Description: Learn about SOLO’s mission, team, and board building the first collaborative, industry-governed data sharing network. - Summary: h1 sky You are querying purple Eric Woodward wine Press orchid Brian Hamilton SOLO Article solid /tbc button href SOLO's Multi-Lateral Open Banking Network is a governed data sharing network for financial services where institutions contribute, access, and reuse verified customer data with consent, lineage, and clear incentives. normal C… - Consortium | Collaborative Financial Data Sharing - URL: https://solo.one/consortium - Markdown: https://solo.one/md/consortium - Description: Join a governed data-sharing consortium to exchange trusted data, improve decisions, and unlock shared value. - Summary: Create and participate in structured data-sharing groups that produce trusted, reusable outputs from fraud signals to credit intelligence. Shared intelligence. Governed by the network. purple solid page consortium Book a consultation button /tbc href See the product textLink plum Active members consortiums active total records B Consorti… - Book a Consultation | Explore the SOLO Network - URL: https://solo.one/consultation - Markdown: https://solo.one/md/consultation - Description: Speak with SOLO about collaborative data sharing, onboarding workflows, and compliant financial infrastructure. - Customer Intake | Frictionless Financial Onboarding - URL: https://solo.one/customer-intake - Markdown: https://solo.one/md/customer-intake - Description: Streamline customer onboarding with consent-driven data collection, reusable verification, and pre-filled workflows powered by the SOLO Network. - Summary: plum The only onboarding that improves speed and unit economics through governed reuse. Reusable onboarding data for the entire financial ecosystem. purple page consultation Book a consultation button href Developer Docs textLink CUSTOMER INTAKE - Data P&L | Measure the Value of Financial Data - URL: https://solo.one/data-pl - Markdown: https://solo.one/md/data-pl - Description: Understand the economics of data sharing and uncover opportunities to create value from reusable data assets. - Summary: Most institutions manage vendors, contracts, and workflows. Not data as an asset. SOLO gives you the financial statements to change that. See what your data actually costs. And what it could return. Data P&L - Data Dividends | Incentivized Financial Data Sharing - URL: https://solo.one/dividends - Markdown: https://solo.one/md/dividends - Description: SOLO rewards institutions for contributing verified customer data across a collaborative sharing network. - Summary: grape Built for banks and fintechs whose data already powers the ecosystem. Your data is already working for others. SOLO makes it work for you. page consultation Book a consultation button data-pl href Build my Data P&L textLink Data dividends - SOLO for Fintechs | Faster Decisions, Better Data - URL: https://solo.one/fintechs - Markdown: https://solo.one/md/fintechs - Description: Accelerate onboarding, underwriting, and fraud prevention with reusable customer data and trusted financial signals. - Summary: Use industry-collaborative, verified data to accelerate onboarding and act on fraud top of funnel. Fast pass good customers. Filter out bad actors. purple solid /consultation href Book Demo button /tbc page customer-intake Explore the product textLink Fintechs - FCRA-Compliant Models | Transparent Financial Data - URL: https://solo.one/models - Markdown: https://solo.one/md/models - Description: Build FCRA-compliant credit and fraud models using lineage-based, consented data from the SOLO Network. - Summary: wine Decisioning that holds up to regulatory scrutiny through licensed data. Turn model outputs into decision-ready, FCRA-compliant outcomes. page consultation Book a consultation button href Developer Docs textLink FCRA Compliant Models - Partners | The SOLO Network Ecosystem - URL: https://solo.one/partners - Markdown: https://solo.one/md/partners - Description: Explore the institutions, technology providers, and partners helping build the future of data sharing. - Summary: Leverage network data to power your platform, scale coverage, and distribute across the ecosystem. Access the network.| Reach the industry. purple solid /tbc href Partner with SOLO button Partners - Legal Information | SOLO Data Sharing Network - URL: https://solo.one/privacy-policy - Markdown: https://solo.one/md/privacy-policy - Description: Review SOLO’s legal policies, compliance standards, consumer rights, and data-sharing governance. - SOLO Protocol | The Rules Behind Data Sharing - URL: https://solo.one/protocol - Markdown: https://solo.one/md/protocol - Description: Learn how the SOLO Protocol governs consent, lineage, compensation, and reusable financial data sharing. - Summary: Who is in the transaction Roles Transaction based roles determine what data you can access, share, or act on. Why the data is being used Usage codes The governed use cases behind every data transaction on the platform. What data looks like Data schemas Standards and constraints Policy config How data flows Platform config Value created L… - SOLO for Sponsor Banks | Reusable Financial Data - URL: https://solo.one/sponsor-banks - Markdown: https://solo.one/md/sponsor-banks - Description: Reduce onboarding friction, improve compliance, and unlock value from verified data across baas partner programs. - Summary: SOLO is the single, headless API sponsor banks use to enforce policy across fintech programs—unlocking compliant fraud sharing, verification reuse, and better unit economics from one integration. Govern once. |Enforce everywhere. purple solid /consultation href Demo Product button /tbc page data-pl Build your Data P&L textLink Sponsor ba… - Legal Information | SOLO Data Sharing Network - URL: https://solo.one/terms-and-conditions - Markdown: https://solo.one/md/terms-and-conditions - Description: Review SOLO’s legal policies, compliance standards, consumer rights, and data-sharing governance. - Financial Data Sharing Use Cases | SOLO - URL: https://solo.one/use-cases - Markdown: https://solo.one/md/use-cases - Description: Explore how SOLO supports onboarding, underwriting, fraud prevention, servicing, and data-driven decisions.