FormFree, a provider of consumer-permissioned asset, income, and employment data, faced challenges with slow aggregation times and frequent MFA pop-ups that disrupted loan applications. By integrating MX’s tokenized, credential-free API connections, aggregation times dropped 89% from 3:30 minutes to 22 seconds, while verification completion rose from 86.4% to 97.6%. Transaction history returned improved by 163 days on average, and nearly half of traffic now uses API and token-based connections. These enhancements have closed over 1 million loans since 2018 and are expected to lift annual revenue by 15%, while improving borrower trust and lender confidence.

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