Q1 2026 Product Highlights

Clearer decisions, fewer avoidable declines, and a stronger foundation for reliable verification

---

🔍 At a glance

This quarter, we focused on what customers feel most: clearer outcomes, fewer preventable validation issues, and a platform you can rely on at scale. These updates strengthen compliance-critical decisioning, improve validation accuracy, and continue modernizing the experience—so you can move faster with more confidence.

WHAT’S NEW

Highlights

• • More stable risk scoring for repeatable outcomes
  • Stronger business + routing validation
  • Expanded vAccount+ 3.0 availability
  • Continued platform security hardening

Why it matters

• • Improve decision confidence and defensibility
  • Increased availability of ValidiFI solutions
  • Deliver a smoother experience for applicants and operations teams

What to do next

• • Review updated documentation and release notes
  • Talk with your ValidiFI contact about best‑practice implementation patterns
  • Get a walkthrough of what changed in your specific workflow

🧱 PRODUCT IMPROVEMENTS

Improved account and business validation
These enhancements improve input validation for common onboarding and verification flows.

• • Improved EIN matching for businesses: Better normalization and validation to return EIN match assessment for select products where available and support more accurate business verification.
  • Expanded vAccount+ 3.0 support: Increased availability to platform providers and resellers for a non‑FCRA account validation solution.
  • Stronger routing‑number validation: Clearer guardrails and failure modes to proactively catch invalid inputs earlier—reducing retries, rework, and avoidable fallout downstream.

Impact
Fewer avoidable validation errors, cleaner matches for business entities, and a smoother onboarding and verification experience.

Want to optimize your flow?
Ask your ValidiFI contact for recommended input and validation patterns, along with rollout guidance.

Operational & developer improvements
We also made improvements that help teams move faster—from a cleaner developer experience to smoother day‑to‑day operations.

• • Faster support and operational turnaround: Workflow and reliability improvements help speed investigation and resolution when questions arise—so your team spends less time waiting and more time moving forward.
  • Improved API documentation usability: Clearer navigation, examples, and endpoint notes—so developers can integrate faster and troubleshoot with less guesswork.

Impact
Faster turnaround when issues arise and reduced time‑to‑answer for API consumers.

Learn more
Updated documentation and examples are available through your normal documentation portal and customer success channels.

Platform reliability & security
Trust is built on uptime, security, and a consistent experience. This quarter’s foundational work helps keep the platform dependable as volumes and complexity grow.

• • Security improvements: Continued hardening of authentication and platform controls to support secure, reliable access across environments.
  • Modernized user experience: Continued UI modernization to improve performance, consistency, and the pace of future enhancements.
  • Resilience and performance maintenance: Ongoing updates that improve stability and reduce risk from aging dependencies—supporting a platform you can count on.

Impact
A more secure and consistent experience, improved reliability at scale, and a stronger foundation for future innovation.

📍 Where you’ll feel this

• • Applicant onboarding and verification: Reduce friction from preventable input errors while improving confidence in account and business identity.
  • Operations and support: Faster time‑to‑resolution when questions arise, backed by clearer outputs and documentation.
  • Developer teams: Integrate and troubleshoot faster with improved documentation
    
    

📊 MARKET INSIGHTS

We’re excited to bring you a new addition to our Product Newsletter that focuses on real‑world examples of trends, insights, and results we’re seeing in practice. The goal is to drive awareness of how we think about the fraud, credit, and payments landscape and, just as importantly, to highlight solutions you can apply today to drive positive business outcomes.

This quarter’s spotlight: Check Fraud Attributes

Current pain point
“We’ve exhausted our existing approaches for identifying potential high default‑risk populations. Fraud patterns are evolving in ways that make financial capacity necessary, but not sufficient. We need better indicators of intent to repay.”

How we approach it
We perform post‑funding performance analyses using our suite of credit and fraud solutions to identify previously undetected pockets of “good” and “bad” populations. Then we help design and implement a strategy to act on those findings.

Positive business outcome
In several recent studies where our Check Fraud Attributes solution was applied, Identity Check signals appeared on roughly 1–2% of loans but identified a population with 25%–95% worse early outcomes. This means lenders can avoid a meaningful share of early losses by intervening on a small number of high‑risk applications.

Related reading
Navigating the Consumer‑First Era in Non‑Prime Lending

What to do next
If you are looking to reduce early‑loss exposure without adding broad friction, ask your ValidiFI contact about incorporating Check Fraud Attributes into your onboarding flow. Common patterns include auto‑decline, step‑up verification, or routing to review for that small, high‑risk subset.

🔮 LOOKING AHEAD

What we’re building toward:

• • Improved microdeposit user experience
  • Even clearer decision explanations
  • Smarter validation patterns
  • Developer experience upgrades
  • A more intuitive platform experience
  • Reliability at scale across high‑traffic workflows
    
    

🆕 Coming soon: BankValidation.com

Planned for release by the end of Q2, BankValidation.com is designed to augment existing validation workflows—not replace them. For teams already using the ValidiFI API, it provides a simple, secure interface for human-in-the-loop review, exception handling, and operational follow-up when a case needs a closer look.

• • Works alongside the API: Use it for manual review, QA, and operational follow-up without changing your integration.
  • Human-in-the-loop for edge cases: Support exception queues, secondary checks, and resolution workflows when automated decisioning needs context.
  • Shared visibility for ops teams: Give support and operations an easy way to view outcomes and take next steps.
  • Designed to complement portal users too: A simpler experience for teams who prefer a web-based workflow.

Early access opportunities
Interested in using BankValidation.com for human review or exception handling alongside your current process? Reach out to your ValidiFI contact and we’ll share preview timing, eligibility, and next steps as the release approaches.

📣 WANT A WALKTHROUGH?

Reply to this update or reach out to your ValidiFI contact to request a short walkthrough tailored to your current workflow.

👉 Receive these newsletters in your inbox. Click here and subscribe to product updates.

→ Questions? Talk with Product about roadmap fit.