Business financial intelligence for platformsEst. 2018

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. License what is already built, and put your teams’ effort into integration and your own products.

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

Built for fintechs and core, digital-banking, payments and lending platforms.

GenEQTY as a layer between business bank account data, connected through open banking, 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 DATAVia open bankingGENEQTYIntelligence layer01 Identify02 Account03 Assemble04 Measure05 Summarize
01 · Why GenEQTY

A business’s banking activity already holds the facts about how it is performing. We built the layer that reads them.

Why now. Open banking made bank data portable. AI made structured financial data essential. Platforms now need the layer in between.

3financial statementsProfit and loss, balance sheet and cash flow, built from bank activity.
16financial measuresAcross four pillars, most scored against industry thresholds.
1Business Health ScoreOne read on each business, tracked month to month.
59live API operationsBuilt to serve many institutions from one platform.
Founded
2018
Expertise
More than 20 years across finance, operations and technology
Works from
Business bank account data. No accounting software.
Available through
Licensing or strategic partnership
02 · The layer

Bank data in. Your products out. GenEQTY in between.

Five developed functions turn bank account data into the books, the statements and the score, tracked over time. Use the full path, or only the outputs you need.

  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. 04Measure16 measures across four pillars.
  5. 05SummarizeOne Business Health Score.
A journal entry: 3,150 debited to cost of goods sold and credited to the operating account Cost of goods sold DebitCredit 3,150 Operating account DebitCredit 3,150 = Balanced
Fig. 1 · The booksEvery transaction is posted twice, to a double-entry general ledger. Debits always equal credits.
One general ledger feeds the profit and loss, balance sheet and cash flow statements General ledger Profit and loss Balance sheet Cash flow
Fig. 2 · The statementsProfit and loss, balance sheet and cash flow, assembled from one general ledger.
Pillar scores of 54, 58, 60 and 72 combine into a Business Health Score of 61. Illustrative business, month 2. Profitability54Growth58Financial health60Management effectiveness72 Business Health Score 61
Fig. 3 · The score16 measures, most banded against industry thresholds, roll up into four equally weighted pillars and one Business Health Score. Illustrative business, month 2.
03 · What platforms can build

One layer. Financial intelligence across the products you offer.

What each type of platform can offer its customers.

A view of each business’s financial health, inside digital banking.

You can offer
  • Business health views
  • Relationship-manager alerts
  • Premium business tier

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

04 · Example: business banking

A business changes before its balance does.

The same illustrative business as Fig. 3, over six months, seen with GenEQTY and through balances alone. Its month 2 score is 61.

Illustrative six-month view of one synthetic business Balances-only view: the account balance holds between about 44 and 48 thousand dollars for six months. GenEQTY view: the balance stays steady while the Business Health Score falls from 68 to 59 by month 3, when the change is visible for the institution to review.

    Illustrative values for a synthetic business. GenEQTY supplies the read; the institution decides what to do with it. The system compares month on month and quarter on quarter.

    05 · Who does what

    We build the layer. You keep every relationship.

    Clear roles, so nothing competes with your customer relationships.

    Your platform

    Brings the distribution.

    Decides what to build and offer, and to whom.

    Your customers

    Own the relationships.

    Decide how scores and measures are used.

    GenEQTY

    Provides the layer.

    Developed APIs that turn bank account data into financial intelligence.

    06 · About GenEQTY

    Built from inside financial services.

    Founded in 2018, GenEQTY is built on more than two decades of financial, operational and technical expertise, including at JPMorgan and Bank of America.

    Mastercard Start PathVisa Fintech Accelerator
    07 · Questions

    Questions, answered plainly.

    What platform, product and technology teams ask first.

    What is GenEQTY?

    GenEQTY is a financial intelligence layer for platforms that serve business customers. Its developed APIs turn business bank account data into categorized activity, a general ledger, financial statements, financial measures and a Business Health Score that platforms can build into their products.

    What data does it need?

    Business bank account data, connected through standard open-banking providers. No accounting software or ERP connection is required: GenEQTY builds its own double-entry ledger from the bank transactions, and the statements are cash-basis.

    What is the Business Health Score?

    A single score that summarizes a business’s financial condition across four equally weighted pillars (profitability, growth, financial health and management effectiveness), built from 16 financial measures banded against industry thresholds. It is an input to a platform’s or institution’s own analysis, not a credit decision.

    Who owns the customer relationship?

    The platform and its institutions. GenEQTY supplies the financial read. Platforms decide what to build and offer, and institutions decide how scores and measures are used.

    How is GenEQTY made available?

    Through licensing or strategic partnership, as documented APIs with institution, customer and account structures, so one platform can serve many institutions. Data connections and deployment requirements are covered in the technical review. Request a 30-minute briefing, or write to partnerships@geneqty.com.

    08 · Licensing or strategic partnership

    See what is built. Know what integration requires.

    Three steps, at the pace your teams set.

    1. 01

      Briefing

      30 minutes with your product and technology teams.

    2. 02

      Technical review

      API scope, methods and platform design.

    3. 03

      Licensing or strategic partnership

      Terms structured to fit your platform.

    Start with a 30-minute briefing
    partnerships@geneqty.com