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capture new markets

Real-time decisioning and funding gets money into the hands of borrowers quickly.


delivering solutions

leveraging the digital account opening experience

thirdstream’s digital consumer platform leverages the enrolment capabilities of retail and commercial account opening. We provide financial institutions with the tools to market credit that can be acquired by customers and members in as little as five minutes, from initial application to real-time funding. 

Our extensive experience in digital account opening presents simplified and streamlined solutions for financial institutions to engage their account holders.

Our vendor-agnostic approach also enables integration with a broad range of loan origination systems. Our flexible solutions represent a major evolution in online lending.

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what we do

Consumer lending online levels the playing field in a crowded marketplace. Real-time decisioning and funding gets money into the hands of borrowers quickly, building the kind of engagement that fuels sustainable growth with your accountholders.

core values


Auto-decisioning, account creation, and real-time funding 


Automatically  onboard customers into any account 


Take applications from anywhere, anytime, from any device


We build engagement

what people say about us


We’ve had a lot of stories to tell, from an expanding client base, to connecting with new partners, to bringing new solutions to market. 

“Thirdstream impressed us with how rapid deployment was possible and how this opens doors to structured business process improvements for us,” 

Dean Gagne

Chief Disruption Officer, Innovation Credit Union

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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