EDGE and Socure have launched EDGE Screen, a combined screening platform that leverages cashflow data and AI-based identity signals to help lenders identify fraud earlier in the credit process, potentially reducing costs and improving decision-making.
EDGE has teamed up with Socure to give lenders earlier warning of AI-driven fraud by combining cashflow data with identity and risk signals in a single screening view. The companies said the integration is designed to help lenders assess applicants before bank authentication is required, giving them a clearer picture of financial behaviour, identity confidence and fraud exposure at the top of the funnel.
The service, called EDGE Screen, blends EDGE’s cashflow bureau data with Socure’s identity intelligence so lenders can review more information before deciding whether to advance a lead. EDGE said it operates as a consumer reporting agency under the Fair Credit Reporting Act and uses cashflow-derived data in regulated credit workflows, including lead screening, underwriting and loan servicing.
Brian Reshefsky, founder and chief executive of EDGE, said the aim was to help lenders make better decisions earlier in the credit journey. He said the combined approach could cut wasted marketing spend and reduce friction for applicants by returning available intelligence in milliseconds without forcing a new bank login or account reconnection.
Johnny Ayers, founder and chief executive of Socure, said fraud often appears before a lender sees a bank connection and that AI has made fake identities look increasingly convincing from the first interaction. He said pairing Socure’s identity and fraud signals with EDGE’s cashflow insights would help lenders understand who they are evaluating before requesting a new connection.
Socure said on its website that its platform serves more than 3,000 customers, including 19 of the top 20 US banks, and that its partner programme is built to speed integration and improve fraud detection. The latest deal also fits a broader pattern of Socure striking partnerships across financial services, including an August 2025 collaboration with Nova Credit to expand credit access using cash flow insights.
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