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turn your ideas

into revenue

We bring together innovation, regulatory compliance, security and a growing array of UX features.

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how we do it

frictionless account opening

Open-API standards are at the centre of thirdstream’s digital ecosystem. Every integration is designed to reduce friction in the account acquisition process, whether launching in-branch or online.

Financial institutions can adopt configurability that also encourages engagement with other fintechs they need, when they need them.

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api strategy

Driven by thirdstream’s fintech API strategy, account origination and lending solutions are continually enriched for consumers and financial institutions.

thirdstream provides fraud prevention, identity verification, credit checks and income verification combined with real-time funding of new accounts. We deliver reliable applicant remote IDV, consistently achieving superior results. Our solutions present clients with higher favourable account opening results, online or in-branch, for individual and business applicants.

core values


Open API standards


Exemplary remote identity verification results


Consistently higher account opening 


Grow your brand with us

what people say about us

Coast Capital Savings innovates online account opening with thirdstream

Coast Capital Savings, Canada’s largest national credit union, in partnership with thirdstream, launched digital account opening earlier this year.  As part of the credit union’s continued dedication to delivering a superior member experience, Canadians can become Coast Capital members and open accounts online in five minutes or less.

“... We are focused on continually improving the member experience. The Vision team looked for a company to help us meet our goals and found thirdstream to be the solution-oriented provider we needed. thirdstream has been the fintech partner staying ahead of emerging trends, anticipating expectations of staff and members, and providing reliable implementation of products as we build our digital strategy ...”

Pauline Marcinkowski

Vice President, Banking Operations

Vision Credit Union

Camrose, Alberta

Building the digital consumer acquisition experience for credit unions, banks and trusts

This white paper outlines specific challenges financial institutions face when launching digital consumer acquisition solutions. We provide an overview of our solutions, answering key questions about the steps required to successfully automate processes, highlighting compliance management, and delivering a rules-driven identity verification platform.

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