Risk and Underwriting

Real-time data for better risk decisioning.

Gain early visibility into whether a business is struggling or thriving. Accurate intelligence about the identity and financial health of 16 million+ businesses helps you dynamically manage risk.

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Introducing Merchant Transaction Signals.

Enigma provides exclusive access to key business financials, including monthly revenues, transaction volumes, customer counts, and growth trends. Built from a panel of 750 million anonymized cards, our insights are refreshed every month.

Low-lag and high-coverage data helps you accurately assess risk.

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Predict default likelihood

Our customers have found definitive splitting power in predicting delinquencies.

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Set smarter credit limits

Richer data improves your initial credit limits and loan amounts, while monthly updates monitor changes in risk.

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Streamline pre-approvals

Access monthly card revenues and transactions without requesting bank statements or waiting on applicant forms.