For core, digital-banking, fintechs, payments and lending platforms

From banking activity to financial intelligence your platform can build on.

GenEQTY’s developed APIs turn business bank account data into statements, financial measures and a Business Health Score, ready to add to your products without a multi-year build.

Start with a 30-minute briefing See how the layer works ↓

Works from bank account data, held on your platform or connected through standard open-banking providers.

5financial functions
78documented API operations
2021developed since
GenEQTY as a layer between business bank account data, held by a platform or connected and the products it already runs. Its five functions, identify, account, assemble, measure and summarize, feed the products and workflows the platform already runs.ProductsRelationship toolsFinancial reviewsDataYOUR PLATFORMProducts and workflowsBANK ACCOUNT DATAHeld or connectedGENEQTYIntelligence layer01 Identify02 Account03 Assemble04 Measure05 Summarize
The layer, made concrete

Turn business banking activity into financial intelligence your customers can use.

GenEQTY sits between business bank account data, held on your platform or connected through an open-banking provider, and the products and workflows your customers already use.

In

Business bank account data

Held on your platform, or connected through standard open-banking providers.

The GenEQTY layer

Five developed functions

  1. 01IdentifyCategorize activity by financial purpose
  2. 02AccountPost it to a double-entry general ledger
  3. 03AssembleProfit-and-loss, balance sheet and cash flow
  4. 04MeasureProfitability, liquidity, growth, leverage and returns
  5. 05SummarizeThe Business Health Score across four pillars
Out

Your products and institutional workflows

  • Business banking and payments products
  • Relationship-management tools
  • Financial and credit reviews
  • Data and analytics offerings
What the layer produces

A financial picture of each business, and how it is changing.

Statements, financial measures and a Business Health Score for each business, tracked over time. One provider can offer them across every institution it serves. Take one function or the full path.

Sample outputIllustrative values
61
Business Health ScoreFour pillars
  • Profitability54
  • Growth58
  • Financial health60
  • Management effectiveness72
Categorized activityGeneral ledgerProfit and lossBalance sheetCash flowFinancial measures
What platforms can build

One layer. Several ways to expand your platform.

What you build on it is your platform’s decision. Here is what the outputs are designed to support, by type of platform.

PlatformWhat you could buildWhat it supports

Core and digital banking

Business health views and change alerts inside business banking and relationship-management tools.

Product expansion
Relationship growth

Payments

Margin, liquidity and growth insight alongside the payment activity you already process.

Product expansion
Merchant relationships

Lending and credit

Statements and measures generated from banking activity, so performance can be read between annual reviews, not only at them.

Financial review
Portfolio monitoring

Fintechs and data networks

Business health and performance measures added to the data you already deliver.

New data products

Across all four: one capability, delivered through platform APIs to every institution you serve, instead of built institution by institution.

More than half of business owners would switch banks for better digital capabilities (ProSight, July 2026).

One application, in detail

A business changes before the account does.

An illustrative six months for one business, seen through balances alone and through GenEQTY. One of many things a platform could build on the layer.

Illustrative six-month view of one synthetic business Balances-only view: the account balance holds near 46 to 48 thousand dollars until the account moves in month 6. GenEQTY view: a separate balance strip stays steady while the Business Health Score falls from 68 to 59 by month 3, the point to call, and the relationship is retained.

    Illustrative scenario with a synthetic business. GenEQTY supplies the read; the institution decides what to do with it.

    Your platform

    Brings the distribution.

    Decides what to build and offer, and to which institutions.

    Your institutions

    Own the relationships.

    Decide how scores and measures are used, and what to do with them.

    GenEQTY

    Provides the layer.

    Developed functions, delivered through APIs, that turn bank account data into statements, measures and a Business Health Score.

    About GenEQTY

    Built from inside financial services.

    GenEQTY was founded in 2018 by a financial-services executive with more than 20 years at institutions including JPMorgan and Bank of America.

    The conviction is simple: a business’s banking activity already holds the facts about how it is performing. GenEQTY builds the layer that puts those facts to work, for the platforms best placed to deliver it.

    Mastercard Start PathPlug and Play fintech programVisa acceleratorDelaware corporation
    Licensing or strategic partnership

    See what is built. Know what integration requires.

    Start with a 30-minute briefing for your product and technology teams.

    Start with a 30-minute briefing
    partnerships@geneqty.com
    • API scopeFunctions, inputs, outputs and dependencies.
    • MethodsHow activity is classified and measures are calculated, with the score methodology in overview.
    • Platform designInstitution, customer and account structures and data flows.
    • ConnectionSupported interfaces and the implementation work for your service.