# Finicity # Finicity An account-data vendor covering asset, employment and income verification from bank and payroll connections. Finicity connects to a borrower's own accounts with the borrower's consent and returns transaction and payroll history. One connection answers three questions that are separate products — what the borrower holds, who pays them, and how much — so the vendor appears in three orderings rather than one. It sits second in the committed asset ordering and mid-table in employment and income. Each vertical is its own integration with its own connection and language configuration; they share the vendor and nothing else. ## Products it serves - Asset - Employment - Income - Connection ## Position in the ordering - Employment MeridianArgyleAtomicWageFinicityExperianPinwheelCitadelEquifaxTrueworkInstantTruework - Income ArgyleAtomicEquifaxExperianFinicityMeridianPinwheelPlaidTrueworkTruework-Instant - Asset EquifaxFinicityPlaid ## How this integration is built - **connection configuration** — The wire protocol. One repository per vendor API call, not per vendor. - **language configuration** — The field mapping between the vendor's vocabulary and the canonical model. - **flow file** — The four-way translation: canonical request, vendor request, vendor response, canonical response. - **waterfall priority** — One line naming where this vendor sits in the vertical's ordering. - **status call** — Activating the vendor for a lender, optionally with the lender's own credentials. ## Evidence This vendor is on the roster because each of the following resolves to a committed artifact. - `StaircaseAPI/asset-product-data product/data/waterfall/waterfall.json waterfall` - `StaircaseAPI/employment-product-product-data product/data/waterfall.json waterfall` - `StaircaseAPI/income-pp-data product/data/waterfall/waterfall.json waterfall` - `asset-product-data product/data/flows/finicity.json` - `employment-pp-data product/data/flows/Finicity.json` - `income-pp-data product/data/flows/finicity.json`