Prompt to Product,
for financial services
Prompt to Product,
for financial services
AI native lending, insurance, and credit products in hours. Powering $5M+ in new revenue for our customers.
Powering $5M+ in new revenue for our customers.
Prompt
Customize
Generate $
Prompt
Customize
Generate $
AI has fundamentally changed who should build software. For decades, coders (nerds) built software and sold it to companies with customers. That's backwards.
The thin SaaS layer that extracted value for a decade is disappearing. Companies that built century-old distribution will finally own their products.
Companies with customers know what they need. The Toledo Mortgage Board Director has 70,000 members and a filing cabinet full of hand-drawn wireframes showing exactly what they want. He's spent $3.5 million trying to turn those wireframes into products.
These aren't Stanford dropouts. They're 50-year-old board members with perfect distribution and product knowledge who couldn't build. Now they can.
Within 5 years, every company with 50,000+ customers will offer financial products. Cove becomes the infrastructure for this $260 billion market shift.
AI has fundamentally changed who should build software. For decades, coders (nerds) built software and sold it to companies with customers. That's backwards.
The thin SaaS layer that extracted value for a decade is disappearing. Companies that built century-old distribution will finally own their products.
Companies with customers know what they need. The Toledo Mortgage Board Director has 70,000 members and a filing cabinet full of hand-drawn wireframes showing exactly what they want. He's spent $3.5 million trying to turn those wireframes into products.
These aren't Stanford dropouts. They're 50-year-old board members with perfect distribution and product knowledge who couldn't build. Now they can.
Within 5 years, every company with 50,000+ customers will offer financial products. Cove becomes the infrastructure for this $260 billion market shift.
Stop referring. Start owning.
Launch financial products in hours. Turn 10% fees into 100% revenue. Your users. Your products. Your empire.
Stop referring. Start owning.
Launch financial products in hours. Turn 10% fees into 100% revenue. Your users. Your products. Your empire.
From 'Nice-to-Have' to 'Can't-Live-Without'
Recover lost customers, launch new revenue streams. We help you monetize the unmonetizeable.
Turn payroll, gig economy, and tax data into instant lending decisions.
Approve 40% more customers without increasing risk. We verify income directly from employers, gig platforms, and tax records—data credit bureaus can't access.
Turn Every Payment Into Credit History
62% of payments never reach credit bureaus. We turn rent, subscriptions, utilities, even child support into credit history—helping thin-file customers build scores instantly.
The $4,000/Year They Spend Outside Your Platform
Every customer buys insurance somewhere. We help you be that somewhere - embedding bill protection, income coverage, and debt insurance right where they already transact. Beyond our standard products, we can structure custom insurance solutions backed by A-rated carriers.
Points That Pay For Themselves
Stop spending millions on cashback. We build rewards programs funded by merchant offers—Netflix pays the 5% back, you keep 2% for connecting them. Your customers earn, partners pay, you profit.
Underwriting
Approve 40% more customers without increasing risk. We verify income directly from employers, gig platforms, and tax records—data credit bureaus can't access.
Credit Building
62% of payments never reach credit bureaus. We turn rent, subscriptions, utilities, even child support into credit history—helping thin-file customers build scores instantly.
Insurance
Every customer buys insurance somewhere. We help you be that somewhere - embedding bill protection, income coverage, and debt insurance right where they already transact. Beyond our standard products, we can structure custom insurance solutions backed by A-rated carriers.
Rewards
Stop spending millions on cashback. We build rewards programs funded by merchant offers—Netflix pays the 5% back, you keep 2% for connecting them. Your customers earn, partners pay, you profit.
"Homebuyers hate credit roadblocks and unclear title fees. With Cove, Buy.ca is able to provide credit and insurance products to solve these pain points in-house, keeping everything seamless and delivering real value to our customers - no third-party tools required."
"Homebuyers hate credit roadblocks and unclear title fees. With Cove, Buy.ca is able to provide credit and insurance products to solve these pain points in-house, keeping everything seamless and delivering real value to our customers - no third-party tools required."
Senthu Velnayagam,
Co-Founder & CEO, Buy.ca
You Built the Distribution.
Now Make It Pay.
FAQs
Answers to some of the most frequently asked questions.
Have more questions? Reach out to our team via email - hello@cove.dev
01.
Who is Cove built for?
01.
Cove is purpose-built for teams that need to launch, automate, or scale fintech workflows — without reinventing infrastructure. Whether you’re onboarding customers for lending, verifying income for rentals, or embedding financial services into your core product, Cove gives your team speed, coverage, and control.
02.
How long does implementation take?
02.
Most customers ship live workflows in days — not months. Our modular system lets you plug in trusted fintech providers (e.g., Plaid, Persona, Sardine) and orchestrate them with if/then logic, retries, and failovers — all through a centralized platform. No vendor juggling. No brittle one-off builds.
03.
How does pricing work?
03.
Cove charges a monthly platform fee based on workflow volume. Each step in a workflow (e.g., ID check, income verification, payments) is billed at a fixed rate — with volume discounts baked in. You only pay for what you run, and the model scales predictably as your business grows.
04.
What makes Cove different from just stitching APIs together?
04.
Integrating fintech APIs is the easy part. Maintaining them, orchestrating logic across providers, handling edge cases, and ensuring uptime across use cases — that’s the hard part. Cove abstracts the operational pain so your team can stay focused on growth, not glue code.
05.
How accurate are predictions?
05.
Our LTV forecasts achieve 94% precision across 12-month horizons, verified by third-party audits. Models retrain weekly using your latest data to adapt to market changes.
06.
Can Cove handle scale?
06.
Absolutely. Our customers range from early-stage startups to organizations managing thousands of transactions per day. Cove supports high-volume workflows with robust monitoring, fallback logic, and infrastructure that scales automatically. As usage grows, so does value.
01.
Who is Cove built for?
01.
Cove is purpose-built for teams that need to launch, automate, or scale fintech workflows — without reinventing infrastructure. Whether you’re onboarding customers for lending, verifying income for rentals, or embedding financial services into your core product, Cove gives your team speed, coverage, and control.
02.
How long does implementation take?
02.
Most customers ship live workflows in days — not months. Our modular system lets you plug in trusted fintech providers (e.g., Plaid, Persona, Sardine) and orchestrate them with if/then logic, retries, and failovers — all through a centralized platform. No vendor juggling. No brittle one-off builds.
03.
How does pricing work?
03.
Cove charges a monthly platform fee based on workflow volume. Each step in a workflow (e.g., ID check, income verification, payments) is billed at a fixed rate — with volume discounts baked in. You only pay for what you run, and the model scales predictably as your business grows.
04.
What makes Cove different from just stitching APIs together?
04.
Integrating fintech APIs is the easy part. Maintaining them, orchestrating logic across providers, handling edge cases, and ensuring uptime across use cases — that’s the hard part. Cove abstracts the operational pain so your team can stay focused on growth, not glue code.
05.
How accurate are predictions?
05.
Our LTV forecasts achieve 94% precision across 12-month horizons, verified by third-party audits. Models retrain weekly using your latest data to adapt to market changes.
06.
Can Cove handle scale?
06.
Absolutely. Our customers range from early-stage startups to organizations managing thousands of transactions per day. Cove supports high-volume workflows with robust monitoring, fallback logic, and infrastructure that scales automatically. As usage grows, so does value.