Block to Provide the Cash App Score through the Nova Credit Cash Flow Intelligence Platform

NEW YORK, NY – September 1, 2026 – Nova Credit, the industry's leading cash flow intelligence platform, today announced a partnership with Block to distribute its Cash App Score to lenders. As a distribution partner, Nova Credit will make the Cash App Score available to lenders in its network as part of the lenders' existing underwriting workflows, with no new consumer credentialing required.

Millions of financially capable Americans remain hard to underwrite, not because they lack creditworthiness, but because the traditional credit system lacks enough data to adequately assess them. That gap is widest among younger and thin-file consumers: Cash App has 58 million monthly transacting actives, more than half of whom are between 18 and 25, and roughly 70% of Cash App Borrow's active borrowers have credit scores below 580, precisely the population conventional models underserve.

Cash App Score is designed to close that gap. Cash App Score is built on proprietary first-party data from across Cash App and Afterpay, including card transactions, paycheck deposits, savings balances, and peer-to-peer payments. It forms a detailed, near real-time view of a consumer's financial activity. Critically, no new consumer credentialing is required: eligible consumers can be scored without logging into a bank or linking accounts. Consent and sharing preferences are managed by the consumer directly within Cash App, removing friction that can reduce opt-ins for cash flow-based intelligence. "By bringing Cash App Score into Nova Credit’s Cash Flow Intelligence Platform, we're giving lenders a unique tool to develop a richer, near real-time view of tens of millions of credit-seeking Americans,” said Misha Esipov, Co-founder and CEO of Nova Credit.  “Our joint goal is to help Americans put their best financial foot forward, using the apps they already rely on every day." According to Block, the technology behind Cash App Score can approve up to 38% more customers at the same level of risk on short-term Cash App Borrow loans, and Block's analysis across categories indicates the potential to approve up to 30% more auto loans and up to 28% more credit card applications at comparable loss rates versus traditional methods. 

Through Nova Credit's network, lenders will be able to incorporate Cash App Score into their underwriting across verticals including credit cards, personal lending, auto lending, device financing, and tenant screening, delivered through the same Nova Credit Cash Flow Intelligence Platform they rely on today. Used alongside Nova Credit's Cash Atlas, Cash App Score may give lenders a deeper view of a consumer's financial behavior, combining multiple sources of cash flow data to provide a more complete picture of ability to pay. Beyond distribution, Nova Credit brings deep experience deploying cash flow-based scores that help lenders understand risk, along with the consumer-reporting infrastructure, FCRA-compliance framework, and established lender network that together turn the Cash App Score into a solution lenders can adopt with confidence. 

Customers set their own preferences for whether and how their score will be shared with third-party lending partners, with Cash App managing notifications and consent directly and no third-party logins required. "At Block, we believe people should be able to use their own financial history to unlock opportunity, on their terms," said Juan Hernandez, Head of Credit and Underwriting at Block. "We built Cash App Score to see the financial activity of millions of people the traditional credit system misses, and it's now the same technology at the center of how we manage credit across Block, where we use it to understand risk in near real-time. Partnering with Nova Credit lets us put that capability in the hands of lenders through infrastructure they already trust, so more of those consumers can be reached responsibly, while they stay informed and in control of their data." Nova Credit and Block will share more about the partnership at the Cash Flow Intelligence Summit, Nova Credit's annual gathering of consumer lending leaders, in New York City on September 10, 2026. Apply to attend. Curious about the partnership and how it can help to transform your decisioning? Book a meeting with Nova Credit.

About Nova Credit

Nova Credit is the industry's leading cash flow intelligence platform, enabling businesses to unlock the power of cash flow data in how they operate. The company leverages its industry-leading data infrastructure, intelligence layer, and FCRA-compliance to boost underwriting approvals, fight fraud, drive responsible growth, and more. Nova Credit supports over 7,000 businesses including organizations such as HSBC, SoFi, AppFolio, and Yardi, with a growing suite of products. Learn more at www.novacredit.com.

About Block

Block builds technology to increase access to the global economy. Each of our brands unlocks different aspects of the economy for more people. Square makes commerce and financial services accessible to sellers. Cash App is the easy way to spend, send, and store money. Afterpay is transforming the way customers manage their spending over time. TIDAL is a music platform that empowers artists to thrive as entrepreneurs. Bitkey is a simple self-custody wallet built for bitcoin. Proto is a suite of bitcoin mining products and services. Together, we're helping build a financial system that is open to everyone.

Media Contacts

Nova Credit: Katie McNally, marketing@novacredit.com

Block: press@block.xyz