The single source for pan-European credit data

Mifundo is an Estonian company licensed by the Estonian Financial Supervisory Authority (FSA). We operate across Europe under a pan-European credit intermediary license and are funded by the European Commission through the EIC and the European Investment Bank, testifying to the strategic importance and regulatory trust in our innovation.

Mifundo provides access to credit data across a wide range of European countries, including both EU and non-EU jurisdictions such as the UK, Norway, and Switzerland. Our coverage continues to grow in line with client needs.

Under CCD2, lenders are required to base creditworthiness assessments on sufficient and verified financial data — not just local credit bureau files or self-reported information. At the same time, Article 6 prohibits treating applicants less favourably based on nationality or place of residence. Together, these provisions mean that rejecting or manually processing an applicant simply because they lack a local credit history becomes increasingly difficult to justify under supervisory review. For banks serving mobile Europeans, this makes access to cross-border credit data a compliance requirement, not just an operational improvement.

Mifundo gives banks standardized access to credit registry data from across Europe through a single API integration. This means lenders can retrieve verified repayment histories, existing obligations, and credit utilisation data for foreign applicants — the same type of information they already use for domestic customers. By closing the data gap for cross-border cases, Mifundo helps banks meet CCD2's requirements for thorough, non-discriminatory creditworthiness assessments without redesigning their existing risk models or workflows.

Banks can access Mifundo via a single API or through a user-friendly online platform. Integration is fast and seamless with no complex IT development or high-cost implementation required.

Yes. Mifundo provides structured, standardized data via API or dashboard and in many cases also allows access to the original credit bureau report, subject to bureau availability and consent.

Yes. If an applicant has lived or worked in multiple countries, Mifundo can combine data from those jurisdictions into a single, standardized view of their credit history and liabilities.

We use a fully compliant consent process, enabling consumers to authorize access to their credit data from other countries. This data is then standardized and securely transferred via our platform, with no friction for the end user or bank.

Yes. Mifundo is fully GDPR-compliant, holds ISO/IEC 27001 certification (specific to financial data security), and implements bank-grade encryption and security protocols across all services.

Integration with Mifundo is typically completed within days. Our single API is designed for fast deployment, and our team supports your tech team end-to-end. Many banks begin with our web based data platform for immediate usage while API integration is underway.

Mifundo doesn’t replace your existing bureau relationships. We enhance them by giving you cross-border access in a single place, without new contracts in each country. Think of us as your one-stop gateway to the international credit ecosystem.

Mifundo operates on an opt-in basis and customers are motivated to share their data if it improves their loan chances. Our UX is designed to be frictionless and trust-building, increasing the likelihood of consent.

Yes. Open banking shows current accounts and transactions but misses credit bureau data like hidden liabilities, delinquencies, or long-term payment behavior. Mifundo combines both worlds to deliver 7x more accurate credit risk insights than open banking alone.