Edge partners with Socure on early fraud screening

August 10, 2026

Edge, the cashflow bureau that converts bank transaction data into explainable, machine learning-driven scores for lending and rental screening, has announced a new partnership with Socure, a provider of AI-native trust infrastructure that supports identity intelligence and risk decisions globally.

The tie-up will see EDGE Screen combine Socure’s identity and fraud detection capabilities with EDGE’s cashflow bureau data, creating a single screening view at the top of the funnel that does not rely on bank authentication. The aim is to give lenders earlier visibility into a consumer’s financial behaviour, identity confidence and fraud exposure before an application progresses further.

The companies noted that consumer lenders require more than an understanding of an applicant’s financial position; they also need confidence in identity to determine which leads are likely to satisfy underwriting standards. According to the release, this combination of signals is most valuable early in the funnel, since limited visibility at that stage can waste marketing budgets, increase manual review workloads further down the line and weaken overall portfolio performance.

EDGE functions as a consumer reporting agency under the Fair Credit Reporting Act, producing consumer reports built from cashflow data. In its role as a cashflow bureau, the firm supplies cashflow-derived intelligence that lenders apply throughout regulated credit processes, covering lead screening, underwriting and loan servicing.

EDGE is a consumer reporting agency and cashflow bureau built specifically for modern consumer lending. The company transforms bank transaction data into consumer insights ready for decision-making across the entire lending lifecycle. Its network spans more than 70 participating lenders and covers five million consumer identities.

Socure, meanwhile, positions itself as a leading global provider of trust infrastructure, supplying identity verification and risk decisioning tools to over 3,000 organisations in more than 190 countries, a client base that includes 19 of the top 20 US banks and upwards of 2,000 FinTech firms.

EDGE founder and CEO Brian Reshefsky said, “EDGE was built to enable lenders to make better decisions across the credit lifecycle, beginning with powerful cashflow insights.

“At the top of the funnel, lenders need to understand more than financial behavior. They also need confidence in identity and clearer signals of potential fraud risk. Bringing Socure-powered identity and fraud intelligence alongside EDGE’s cashflow insights gives lenders a broader view of consumers. For applicants who match the EDGE Network, EDGE Screen can return the available intelligence to the lender in milliseconds, without requiring a new bank login or account reconnection. That noncredentialed feedback loop is what makes the solution work at the top of the funnel, helping lenders reduce wasted marketing spend and unnecessary application friction.”

Socure founder and CEO Johnny Ayers said, “Fraud shows up early in the application process, often before a lender ever sees a bank connection.

“AI has made it possible for fraudsters to look nearly identical to real people from the very first interaction, which is exactly where legacy checks fall short. Getting identity and fraud signals right at that early stage changes everything that follows, from underwriting to portfolio performance. Partnering with EDGE brings identity and fraud intelligence into a combined top-of-funnel view alongside the cashflow intelligence lenders already use, so they know who they’re evaluating before they ever request a new connection.”