Platform News:

We are celebrating our second anniversary. March 1st, 2026 will mark our second year in business. The “terrible twos” are now behind us and we can’t wait to sink our teeth into our third year in the business.

We are on our way to GAC (Governmental Affairs Conference) in Washington, DC as part of the Curql Fund Accelerator. We are headed back to Washington, DC again the following week to meet with BankFund Credit Union. We can’t wait to see our CUSO and Credit Union partners in Washington, DC this and next week.

We wrote a few blogs around BNPL and why pure-play BNPL lenders are running into issues with their large clients and why LendAPI is there to swoop in to save the day. Check it out, here.

If you are looking for another angle on BNPL and why LendAPI is the most powerful solution for in-store BNPL, our friends at The Great North Ventures wrote an article with Sizzle and LendAPI in mind. You can read all about BNPL 3.0, here.

Lastly, we are headed back to Suncoast Credit Union in mid April to brainstorm with their lending executives and continue to develop ideas on how to gain new members to help them double their membership to 3,000,000!

LendAPI Partner Podcast is back for a second season! We had a great host Rutger van Fassen and now he’s focusing on his career, our CEO is stepping in and dropping two new episodes already. The first episode is with our client Relli and their CEO grace our podcast. Here’s Mor’s episode.

We also recorded another episode with our partner USIO and their VP of Sales, Joseph Huch came and spoke to us about new ways to move money and how their system is impacting embedded finance in a big way. Check him out, here.

We have other episodes in the works and if you would like to join us and talk about how you are changing the world, please reach out to us. We would love to hear from you.

And of course, we have a brand new platform release with all sorts of goodies and we can’t wait for you to start using these powerful features now live in our production environment. 

Platform Update: v3.1.2

Thanks to our team’s excellent effort, we packed in a few very powerful features into our new release. Our platform version 3.1.2 is now in production and features within this release notes are all now live and ready to go.

If you are interested in talking to us about your embedded financing infrastructure, please email us at info@lendapi.com or request a demo here. There are a lot of imitators but there’s only one LendAPI.

Zest AI

Zest AI provides off the shelf models as well as custom credit risk models for the financing industry. They started off as a lender in the subprime tribal lending space and evolved from finance to a pure play analytics company.

We’ve been working with Zest AI for a few weeks and we’ve finally got their APIs fully integrated and now the scores and attributes are all production ready and ready to rock. Zest’s project management, engineers and partnership team are amazing and we were able to quickly get all of our questions answered and the integration work was very easy.

For credit unions that have Zest AI accounts, we can replace your archaic Loan Originations System and deploy scores and models integrated into our Model Studio. These scores and attributes from Zest are ready to be written into rules within our Rules Studio. Please enjoy.

You can also view all of Zest AI’s responses from a successful underwriting API call within the Agent Dashboard for a quick diagnosis. You can see and touch your Zest AI scores finally in one of the most modern LOSs around. 

On-Demand Credit Bureau Pull

Only seasoned financing gurus will be dancing with joy from this new feature and here’s why.

Sometimes, you just need a second opinion. When an application is going through the embedded financing flow and everything is working. The applicant could have gotten an approve, review, denied result based on his or her credit bureau report, plus other things. But the underwriter or Clawbot might just need to get a second opinion.

One of the most important usage of an on-demand credit report pull is that when an incomplete application goes stale and the customer suddenly reappears and wants to complete their application, our recommendation is that you might want to re-pull their credit and re-run underwriting to see if they are still qualify for the product and offering.

Sometimes, you will be surprised why there was all of the sudden a surge in interest from the consumer you’ve been trying to get a hold off for weeks reappears and desperately looking for help. To protect your portfolio from potential defaults, you might want to reexamine the applicant’s credit worthiness one last time.

Footer Enhancements 

The footer of an application experience is often forgotten and neglected. However, we got you covered. You can now add URLs and other enhancements to how the footer of your application looks like in your app experience builder.

This means that you can link out to consents, terms and conditions and other types of important information you would like your applicants to link out to at will.

What’s Next?

We are rolling out a series of enhancements to our decision builder as well as our product builder. All new code, all new performance enhancements and UX upgrades. These new releases in the coming months will make your building experience smoother than ever.

Our brand new Flow Builder is coming into focus and we will be releasing a beta version next week for our clients to start using it. The Flow Builder will be the foundation for our MCP or Model Context Protocol to start installing and building agentic workers to alleviate routine works for our clients. 

Lastly, see you guys at FinTech Meetup 2026 in Las Vegas at the end of this month!

About LendAPI

LendAPI is a complete Loan Core platform that helps banks, credit unions, fintechs and retailers to launch any finance products instantly. Request your demo at www.lendapi.com and follow us on Linkedin.