Shadow run
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Lead flow
Pipeline funnel — shadow mode historical data
Leads presented
1,252
Feb 1 – Apr 24, 2026
Leads purchased
612
49% conversion
Total declined
640
51% decline rate
Pipeline funnel
Presented
1,252
100%
Pre-filter
934
75%
Ekata
821
66%
USIO
744
59%
DataX
612
49%
Purchased
612
49%
Top decline reasons
Pre-filter — state/pay period
318
Ekata — score > 249
113
USIO — bad returns/merchants
77
DataX — risk score
68
DataX — thin-file
42
DataX — BAV no data
22
Underwriting rules
Current production ruleset — v3.4 (activated Apr 22, 2026)
Rule configuration
Manage thresholds, null policies, gate order, and version history. Coming soon.
Campaigns
Campaign configuration, credential management, and affiliate mapping
Campaign management
Configure campaigns, manage lender credentials, and control routing. Coming soon.