One API, three products. White-labeled into your existing UX.
Kikoff gives fintech partners a modular credit-building suite that ships under your brand, inside your user experience. You own the relationship. We handle the infrastructure.
Credit Builder Plans
A credit-building product your users can enroll in directly. Designed to move scores for users starting with thin or subprime credit profiles. Avg. +86 pts in year one for users starting under 600.*
Credit Monitoring
Real-time score tracking and alerts embedded into your product. Keeps users engaged and gives your platform a reason to be opened regularly. Three-bureau coverage, updated continuously.
Rent & Bill Reporting
Reports on-time rent and utility payments to the bureaus — one of the fastest ways to add positive history for users with thin credit files. No change to existing payment behavior required.
Three returns in one investment.
Expand your addressable market
32M credit-invisible adults are unreachable for any product that gates on credit. Kikoff helps turn them into qualified users.
Engagement that compounds
Credit building prompts recurring activity, not a one-time feature. Users actively building credit through your platform have a tangible reason to stay.
Seamlessly embedded
Credit-building power fully white-labeled and shipped under your brand. Kikoff handles the operations: compliance, customer support, integration.
Enterprise-grade credit features, live within weeks.
Integrate
Connect via Kikoff's API. White-glove onboarding, sandbox testing, and compliance infrastructure included.
Reporting goes live
End users opt in inside your platform and their data starts flowing to the credit bureaus.
Kikoff handles the rest
Customer servicing, ongoing payment capture, and bureau partnerships. Your team stays focused on your product.
# Enroll a member in credit building curl https://sandbox.enterprise.kikoff.com/v1/members/enroll \
-H "Authorization: Bearer $API_KEY" \
-d '{
"member_id": "usr_abc123",
"product": "credit_building",
"white_label": true
}' # Response: 201 Created {
"account_id": "acct_xyz789",
"status": "active",
"bureau_reporting": ["equifax", "experian", "transunion"]
}
Help your users grow with Kikoff.
Partnering with us means you focus on what you do best and let us do the building. Full, customizable functionality under your native brand experience.