“We’ve spent five years at Stilt getting state lending licenses, building our credit stack, and refining our risk models,” Mittal. “Now we’re opening this entire stack for others to build their own innovative credit products in just a few short weeks. This is the quickest way we can think of to democratize loans and credit building across the board.”

https://techcrunch.com/2022/03/10/stilt-secures-114m-in-debt-equity-to-help-fintechs-and-neobanks-launch-credit-offerings-with-its-api/