The biggest opportunity in consumer finance is the customer every other card program rejects

Consumer fintechs targeting underserved borrowers — thin files, no credit history, locked out by traditional scoring — face a different kind of infrastructure challenge: how do you approve more customers faster without sacrificing compliance, and how do you ship new product features without being held hostage by your banking stack? The answer isn't a better credit bureau. It's a platform built from the ground up for cash-flow underwriting and rapid iteration.Download our case study to see how one consumer card program went from zero to 2.35 million accounts in under 60 days — with $59.7M in deposits and 40%+ of platform activity running through ACH — and learn how Treasury Prime's FBO account infrastructure, RTP/FedNow pathway, and KYC integrations can help your program scale just as fast.