Worthy provides an embeddable debt‑relief platform that lets fintechs, neobanks, and lending apps let their users verify, negotiate and settle debts directly within the product. The API handles creditor outreach, offers negotiation, and payment processing, removing phone calls, fees, and compliance risk. By integrating Worthy's solution, companies can deliver a seamless financial experience that helps consumers resolve debt more easily.
Funding
Funding not disclosed
Founders
Product
Problem
Consumers with outstanding debts often must navigate phone calls, negotiate fees, and manage complex compliance requirements, leading to a frustrating and inefficient resolution process. Fintech and lending platforms lack a seamless way to incorporate debt relief services directly into their user experiences.
Solution
Worthyapi offers a programmable API that lets financial applications verify debt balances, create negotiation offers, and process settlements across a broad network of creditors and collectors. By embedding these capabilities, apps can enable users to resolve debts without phone calls or additional fees, while the platform handles compliance and data security. The service provides real-time access to creditor data, automated offer generation, and support for one‑time payment transactions. Developers can integrate the API with a few lines of code, allowing rapid rollout of debt‑relief features within existing digital products. This approach transforms debt management into a native, frictionless experience for end users.
Target Audience
Primary customers are fintech companies, neobanks, and lending platforms that serve consumers with existing debt and want to embed debt‑relief functionality directly into their applications.
Features
- RESTful endpoints for debt verification, offer creation, and payment execution
- Access to a curated network of creditors and collection agencies through a single integration
- Built‑in compliance and data‑privacy controls to reduce regulatory risk
- Secure, token‑based authentication and encrypted data transmission
- Sample SDK snippets (e.g., JavaScript fetch call) for quick developer onboarding
- Real‑time status updates and webhook notifications for transaction tracking