QuadFi

At QuadFi, we are building the future of banking: a borderless financial institution for the global citizen where their future counts more than their past. QuadFi is the only global fintech company dedicated to providing newcomers with access to fair and convenient financial products. By shifting the traditional focus from historical data to a forward-looking, “Human DCF” approach, where the newcomer’s prospects in their new country become the primary source of assessment, QuadFi is fundamentally revolutionizing how risk is viewed and assessed in the modern era.

Using alternative data and international credit histories, our AI/ML models deliver an accurate assessment of newcomer’s credit risk. This allows us to offer these neglected customer segments the affordable financial products that they deserve. We know this, because we’ve proven it, through modeling, training, and live performance.

Our vision is providing financial access to all newcomers across the globe, while our mission is to create financial inclusion by making the credit invisible, visible. QuadFi, a Certified B Corporation, generates meaningful and measurable social impact for customers and our broader community. Founded by first-generation immigrants, we are based in Toronto, Canada, and operate at the intersection of global migration, financial, and personal data.