“Can a specialist synthetic-identity-fraud vendor become the default identity-risk layer for every US bank, credit union, and fintech at the point of application?”
SentiLink was launched in 2017 by two early Affirm employees (Naftali Harris and Max Blumenfeld) after they encountered synthetic identity fraud at scale in Affirm's lending flow. The company built the first commercial synthetic-fraud score and became the first organization to use the Social Security Administration's eCBSV service. It has since expanded from a single synthetic-fraud score into a broader identity/fraud suite (ID Theft Score, First-Party Fraud, PII Risk Scores, Facets, Intercept, ID Complete, Treasury Check Verification) serving 300+ US financial institutions.
SentiLink uses sentilink for KYC and identity verification.
SentiLink's lending and capital products are provided by affirm.
The Embedded Finance Index 2026 maps 2 layers in SentiLink's stack: Lending (affirm); KYC (sentilink).
SentiLink was founded by Naftali Harris and Max Blumenfeld and is founded in 2017, headquartered in San Francisco, California, United States.
SentiLink has raised $84M in total (latest round: Series B).
Get a read on where your own stack stands against SentiLink and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.