Tilt targets consumers often overlooked by traditional banking, utilizing real-time cash flow and alternative data to assess creditworthiness rather than relying solely on conventional scores. This approach mirrors Blipay’s strategy in Brazil, where the platform leverages open banking and the country’s ubiquitous Pix instant payment system to serve roughly 100 million people currently underserved by legacy institutions.

Warren Hogarth, co-founder and CEO of Tilt, described the company’s underwriting advantage as a compounding moat that strengthens with each new geography. By integrating Blipay’s existing local infrastructure, Tilt aims to accelerate its mission of providing transparent credit to workers who have historically been invisible to traditional lenders. Blipay CEO Felipe Ziliotti noted that the partnership provides the necessary resources to scale their vision of fair lending, positioning the combined entity to compete aggressively within the Brazilian financial landscape.