Stilt, a digital lending company supported by Plaid, is providing millions of people with access to credit products in the United States by using alternative indicators of financial responsibility, such as employment status and education, rather than traditional credit scores. This approach helps immigrants and other underserved populations who are often denied loans due to lack of U.S. credit history. By leveraging Plaid's access to applicants' day-to-day financial data, Stilt is able to assess risk more accurately and make loan offers that set individuals up for long-term success in the country.