Method Financial

# Method Financial > Method is the infrastructure layer for consumer liability data and payments. Businesses use Method's single API to connect to 15,000+ financial institutions, access real-time consumer liability data, and initiate payments — all with a single user authentication using just a phone number (no credentials required). For complete marketing site content in a single file, see [Full Site Content](https://methodfi.com/llms-full.txt). For complete API documentation, see [API Docs](https://docs.methodfi.com/llms.txt). Founded in 2022 (Y Combinator W20). Series B ($42M led by Emergence Capital). Based in Austin, TX. ## How Method Works Unlike aggregators that require users to share bank login credentials, Method uses a fundamentally different approach. When a user verifies their identity, Method's network automatically discovers all their liabilities — credit cards, auto loans, student loans, mortgages, personal loans, and more — without any manual account entry or credential sharing. Once discovered, Method retrieves real-time data directly from financial institutions and can initiate payments to any creditor. ## Why Method ### By the Numbers - 20,000+ financial institutions connected - 45M+ users connected - $1B+ in payments processed per month - 12 of the top 13 credit card issuers covered - 91% of US credit card volume covered - 55+ data points per account type - 300+ behavioral and risk attributes - SOC 2 Type II compliant ### Customers Credit Karma, Fig […gekürzt]