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The financial infrastructure to prequalify members, connect accounts, and deliver smarter lending decisions.

Soft check only — No impact to credit score
Everything you need to qualify members faster and grow your portfolio.
Instantly assess member eligibility with soft credit checks that don't impact scores.
Securely connect to 10,000+ financial institutions for real-time account data.
Verify member identity in seconds with bank-grade security protocols.
Analyze income patterns and cash flow to make smarter lending decisions.
AI-powered risk scoring with customizable thresholds for your institution.
Stay compliant with automated audit trails and regulatory reporting.
Get started in minutes with our simple integration
Integrate our API into your existing systems with just a few lines of code.
Members complete a quick pre-qualification — soft check, no credit impact.
Receive pre-vetted leads ready to convert into loyal members.
See how AEAX helps credit unions and financial institutions convert more qualified leads.