Nyble helps the 11M+ credit-invisible Canadians access, monitor & build their credit. We underwrite based on applicants' income, cashflow and spending habits instead of reducing people to a credit score. Credit is like a catch-22, to get a good credit score you need credit from banks & institutions, but you won't be able to get any without a credit score. This is why we started Nyble. We believe that we can underwrite the next Billion people worldwide using cashflow instead of credit score. Launched in mid-2022 in Canada first, we have helped our customers save over $1M in overdraft fees & interest. We have also successfully funded 20k+ credit lines using cashflow underwriting.