The conversion layer for your embedded credit progression suite.
Offers & Marketplace is a white-labeled API feature that monitors end users' credit progression and surfaces partner-owned product offers when they meet qualification thresholds. You control which products appear, how they're priced, and when they're shown — Kikoff powers the qualification logic and timing.
Partner-owned offer inventory
You define the products, lenders, and offers in your marketplace. Kikoff handles qualification scoring and surfaces the right offer to the right user at the right moment.
Credit-progression-triggered timing
Offers appear when users hit score thresholds, utilization targets, or tenure milestones — not randomly. Conversion timing is driven by real credit data, not guesswork.
White-labeled under your brand
Your product experience, your brand, your revenue. End users see offers from your marketplace inside your platform — Kikoff is invisible infrastructure behind the scenes.
API-first integration
Connect via Kikoff's API to configure offer rules, qualification thresholds, and surfacing logic. The marketplace lives natively inside your product, not as an external referral link.
Monetize credit progression — without building qualification infrastructure.
Convert credit growth into revenue
Users who build credit on your platform are your best candidates for lending, cards, and premium products. Offers & Marketplace turns that progression into a monetizable conversion event.
A path forward for users you can't approve today
When a user doesn't qualify for your core product, embedded credit building and a requalification marketplace give them a reason to stay — and a path back to your offer when they're ready.
Your marketplace, your rules
Unlike affiliate networks, you own the offer inventory, the user experience, and the economics. Kikoff provides the qualification engine — you keep the relationship and the revenue.
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.
# Fetch qualified marketplace offers curl https://sandbox.enterprise.kikoff.com/v1/marketplace/offers?member_id=usr_abc123 \
-H "Authorization: Bearer $API_KEY" # Response: 200 OK {
"qualified_offers": 2,
"top_offer": {
"product": "personal_loan",
"apr": 9.99,
"threshold_met": "score_680"
}
}
Build the marketplace that converts credit progress into revenue.
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.