Underlie API Platform logo

Underlie API Platform

by Underlie, Inc. · Since 2021
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Active1+ countries
Quick facts
VendorUnderlie, Inc.
Year launched2021
StatusActive
LocationCairo, Egypt
Countries served1+
Languages1
Integrations
Free tier
Free trial
Contact sales

About Underlie API Platform

Underlie is a data management platform from Underlie that provides foundational support for data organization, storage, and access. It combines data cataloging, real-time analytics, and data integration so users can effectively manage their datasets. Underlie facilitates collaboration among data scientists, analysts, and other stakeholders by offering features that promote data sharing and communication. As a comprehensive solution, it helps businesses utilize their data assets for informed decision-making. Key capabilities: data cataloging real-time analytics data integration collaboration tools access management Best for: organizations and teams that need a reliable solution for data management and utilization.

Underlie is a modern fintech infrastructure platform designed to help banks and fintech companies transform traditional financial services into data-driven, customer-centric solutions. By leveraging open APIs and machine learning, the software enables institutions to move beyond basic balance checks and transfers, turning everyday banking applications into intelligent personal finance tools that improve engagement and decision-making. A key strength of Underlie lies in its strong focus on security and compliance. With bank-level encryption, modern infrastructure, and ISO 27001 certification, the platform ensures that sensitive customer financial data is well protected. Its one-day integration timeline also makes it attractive to institutions looking to modernize quickly without heavy in-house development, especially through its white-labeled, brand-flexible approach. Underlie’s product suite addresses real industry pain points. Its Personal Finance Management API enhances customer insights and lending personalization, while the e-KYC API streamlines authentication, reduces churn, and helps prevent fraud. The Underlie Score offers a more inclusive and accurate alternative credit assessment model that works for both banked and unbanked users. Additionally, UnderlieX Issuing simplifies the process of launching branded physical and virtual cards.

Pros & Cons

What users like
  • +Provides secure, bank-level API infrastructure enabling fintechs to build compliant products faster.
  • +Uses machine learning to turn raw financial data into actionable customer insights.
  • +Offers inclusive credit scoring that works for both banked and unbanked customers.
  • +Simplifies e-KYC and authentication while aligning with strong regulatory standards.
  • +Creates new revenue opportunities for banks through controlled and monetized data sharing.
What users flag
  • Primarily targets banks and fintechs, limiting direct value for individual end users.
  • Relies heavily on data availability, which may reduce accuracy in low-data environments.
  • Advanced features may require significant configuration to align with local regulations.
  • Machine-learning scoring outcomes may be difficult for institutions to fully interpret.
  • Card issuing and rewards depend on partner ecosystems that may vary by region.

Features

Key features

Secure Open APIs
Bank-level encrypted APIs that enable safe, automated data sharing and integrations.
Personal Finance Management API
Transforms banking apps into insight-driven personal finance tools.
e-KYC & Strong Authentication
End-to-end digital identity verification compliant with PSD2 SCA.
Alternative Credit Scoring
AI-driven scoring using multiple data points beyond traditional credit history.
White-Label Flexibility
Fully brandable solutions that reduce in-house development effort.
Fast Integration
Single integration allowing testing and deployment within 24 hours.

Additional features

ISO 27001 Compliance
Certified systems aligned with banking security and encryption standards.
Machine Learning Analytics
Uses spending patterns to generate insights and personalized benefits.
Customer Engagement Dashboards
Personalized views that increase portfolio stickiness.
Pre-Set Credit Underwriting
Lending insights based on predefined risk and eligibility criteria.
Fraud Reduction Tools
Verifies customers using bank data to minimize fraudulent access.
Phone-to-Bank Key Linking
Enables faster login using device-based authentication methods.
Banked & Unbanked Support
Credit assessment works across diverse customer segments.
Card Issuing (UnderlieX)
Physical and virtual co-branded card issuance for businesses.
Rewards & Loyalty Engine
Instant, non-expiring rewards embedded directly in apps.
Open API Consult
25+ API calls enabling third-party collaboration and monetized data access.

Pricing

Free trial
Free version
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Countries & Languages

1
Countries served
1
Interface languages
17
Billing currencies

Available in

Middle East and North Africa.

Interface languages

English

Billing currencies

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