thirdstream is a Canadian-based fintech serving > 40 banks, trusts and credit unions. Focused on the attended and unattended account origination space, thirdstream provides cloud-based retail and commercial account opening, online consumer lending and credit card adjudication and account opening. In operation for over 20 years, thirdstream has focused exclusively on enabling account opening for financial institutions, from initial online (or in-branch) account application, through identity validation, monitoring for fraudulent accounts, through adjudication to real-time account funding.
thirdstream's brand promise is "Digital Account Opening, Anytime, Anywhere, from Any Device." Typical retail accounts are approved and opened in between 3 - 5 minutes.
Providing cloud-native ecosystem that brings together over 30 third-party data repositories and adjudication solutions, the company counts three of Canada's largest credit unions (< $20 billion in assets), as well as four of Canada's 12 mid-sized federally chartered banks (< $15 billion in assets). The discrete solutions scale to smaller institutions (> $500 million in assets).
The open API structure has integrated with each of the leading core processing platforms and enables remote deployment in as little at 10 weeks.