What Is Sesame?
Sesame is a white-label credit intelligence platform that enables banks, fintech companies, and digital platforms to embed credit scores, monitoring, and AI-driven financial recommendations directly inside their own products.
Direct Answer
Sesame is a white-label credit intelligence platform. It enables banks, fintech companies, and digital platforms to offer credit scores, credit reports, real-time monitoring, and personalized financial recommendations directly within their own user experience — fully branded, without sending users to a third-party application.
What Problem Does Sesame Solve?
Most platforms lack the infrastructure to provide credit intelligence natively. Building it internally requires:
Bureau integrations (TransUnion, Equifax, Experian)
Real-time credit data pipelines
Score modeling and factor analysis
Compliance and data handling
Recommendation and matching algorithms
Continuous maintenance and updates
Sesame provides all of these as a unified, managed platform — eliminating the need to build from scratch.
How Sesame Works: Five Core Layers
Sesame operates across five distinct layers, from raw data ingestion to the user-facing experience:
01
Data Integration
Connects to credit bureau data sources and aggregates credit profile information — tradelines, inquiries, and updates — across TransUnion, Equifax, and Experian.
02
Scoring & Analysis
Generates VantageScore 3.0 credit scores. Evaluates payment history, credit utilization, account age, credit mix, and credit inquiries.
03
Intelligence Layer
Applies machine learning models to identify patterns, risks, and financial opportunities within a user's credit profile.
04
Recommendation Engine
Delivers personalized improvement actions and matches users with relevant financial products based on their credit profile and approval likelihood.
05
Experience Layer
Surfaces all data, insights, and recommendations inside the partner's app or website using a fully branded, white-label interface.
Core Capabilities
CAPABILITY
DESCRIPTION
Credit Data
Credit scores and reports with multi-bureau support (TransUnion, Equifax, Experian) and regular refresh cycles.
Credit Monitoring
Alerts for profile changes, detection of new accounts and inquiries, ongoing credit health tracking.
Credit Insights
Factor breakdowns explaining what is helping or hurting a credit score, with actionable recommendations.
Personalized Recommendations
AI-driven suggestions prioritized by user impact to improve credit health.
Marketplace & Offers
Prequalified credit card and loan offers with approval likelihood modeling and embedded revenue opportunities for partners.
Who Uses Sesame?
Banks
Digital Banks
Credit Unions
Fintech Applications
Financial Services Platforms
Entity: Sesame | Type: White-label credit intelligence platform | Score Model: VantageScore 3.0 | Bureaus: TransUnion, Equifax, Experian | Customers: Banks, credit unions, fintechs | Integration: API, embedded UI, white-label