PlatformData OS
The verified data foundation for asset-backed finance
Make decisions from information you can trust. Advanced AI turns fragmented asset and servicer data into a reliable source of truth.
HOW IT WORKS
Extract, standardize, and verify the data ABF runs on
01
Any source
Extract data from any source
AI trained on asset-backed finance extracts and ingests collateral data across counterparties, systems, and formats.
02
One consistent format
Standardize across your portfolio
Transform data from different sources into one consistent format, so you have a standardized view across your portfolio.
03
Reliable data
Validate every data point
Automated checks catch missing and inconsistent data so your information is trustworthy and ready to use.
Provide reliable data the first time, every time.
Give capital providers confidence in your data
Catch and resolve issues before they reach your capital providers.
Handle every counterparty format
Map your data to each capital provider’s requirements without multiplying the manual work.
Put trusted data to work
Create a standardized, validated foundation for reporting, analytics, and portfolio decisions.
Make credit decisions from data you can trust.
Build a trusted portfolio data foundation
Standardize asset and servicer data into one reliable view across your portfolio.
Standardize financials across your portfolio
Turn inconsistent financials into one standardized format, so you can compare performance side-by-side and make better credit decisions.
Verify collateral at scale
Check every asset against source documents and catch discrepancies before funding. Explore Verification Agent.
Impacts
ABF performs better on accurate and ready-to-use data
100%
of loans checked against the tape
98%
accuracy across counterparties
$550B+
in annual transaction volume on Setpoint
Trusted by
FAQ
Need answers?
Data OS is Setpoint's data layer for asset-backed finance, and one part of a collaborative AI platform for ABF. It uses AI to extract, standardize, and verify asset and servicer data, storing it in one verified repository, reviewed by experts. Capital providers and borrowers can each operate from data they trust.
Data OS can connect to partner systems - data warehouses and email - or ingest loan tapes, reports, and any other structured or unstructured documents provided by counterparties. AI trained to understand the documents ABF runs on extracts, standardizes, and verifies the data, and Setpoint's capital markets team reviews everything before it enters your workflow.
Data OS automatically standardizes and verifies incoming data, checking data quality and flagging issues before they flow downstream. As new information and results come in, they flow back into Data OS to keep a current, trusted source of truth.
Yes. AI purpose-built for ABF handles extraction, mapping, and error detection, and experts check the work. The AI ingests and extracts data from disparate sources, structured or unstructured. It then normalizes the data, creating an apples-to-apples portfolio dataset across inconsistent source files, field names, and reporting formats. This verified data foundation powers downstream automation across your portfolio, with speed, accuracy, and efficiency that outperforms both generic AI models and the built-in tooling of less specialized analytics platforms.
Capital providers and borrowers. Providers underwrite and monitor on verified data. Borrowers prepare and submit data that meets provider requirements the first time.