Block, Inc. opened a waitlist for companies to access deeper insights from its Cash App consumer scoring model, a move that expands the platform’s lending and credit‑analytics capabilities and positions Block to capture additional revenue from B2B credit analytics.
The waitlist gives companies real‑time consumer scoring data that builds on Cash App Borrow. The scoring model uses AI‑driven credit insights and risk assessments derived from Cash App’s behavioral data, allowing businesses to evaluate creditworthiness without relying on traditional credit bureau reports.
While the announcement does not list specific industries, the service is aimed at companies that need credit insights, such as lenders, fintech firms, and other businesses that assess consumer risk. Block has not yet disclosed pricing tiers or a timeline for broader access beyond the waitlist.
Block will monetize the data by charging for the scores, but pricing details and revenue projections have not been released. The move is part of Block’s broader strategy to monetize its vast consumer data assets and deepen its footprint in the fintech lending ecosystem.
Block’s offering differentiates itself from other credit platforms by leveraging alternative data from Cash App users, giving it a competitive edge in the rapidly evolving fintech landscape. The new B2B service complements Cash App Borrow, which already uses behavioral data for underwriting, and could enhance the overall value proposition of Cash App’s lending products.
The launch signals Block’s continued focus on AI and data monetization, reinforcing its strategy to expand Cash App’s product suite and generate new revenue streams while strengthening its competitive position in the fintech lending market.
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