Infrastructure-first platform helps fintechs and banks accelerate product launches, streamline risk management, and enhance customer onboarding

Irvine, CA (August 19, 2025) – The American Fintech Council (AFC), the premier industry association representing responsible fintech companies and innovative banks, today announced the addition of LendAPI as its newest member. LendAPI delivers flexible, infrastructure-first embedded finance capabilities that help businesses quickly launch and scale lending products. Its modular APIs and developer-centric platform streamline compliance, onboarding, fraud prevention, and credit risk management, enabling fintechs and banks to bring smarter credit solutions to market faster.

“An innovator and dear friend, Timothy Li is always making positive impacts on the fintech ecosystem and I’m excited to be working with him again,” said Phil Goldfeder, CEO of the American Fintech Council. “LendAPI is making it easier for fintech companies to develop and launch new lending solutions responsibly. By embedding tools for onboarding, risk management, and underwriting into one secure platform, they’re helping companies reduce time to market while maintaining the safeguards that are essential to long-term consumer trust. Their approach aligns with AFC’s commitment to advancing financial innovation that is efficient, transparent, and secure.”

LendAPI’s platform allows fintechs, banks, retailers, and tech platforms to manage the full lending lifecycle—real-time underwriting, risk assessment, compliance, and contract generation—directly within their own applications. This integrated approach reduces operational costs, improves approval rates, and enables rapid product iteration without sacrificing quality or control.

“LendAPI is committed to empowering our partners with the infrastructure they need to innovate at speed and scale,” said Timothy Li, CEO and Co-Founder of LendAPI. “Our technology lets teams design, test, and deploy tailored credit products in days, helping them respond to market changes with agility while ensuring compliance and consumer protection. Joining the American Fintech Council allows us to collaborate with like-minded leaders committed to responsible innovation in financial services.”

A standards-based organization, AFC is the premier trade association representing the largest financial technology (Fintech) companies and innovative banks offering embedded finance solutions. AFC’s mission is to promote a transparent, inclusive, and customer-centric financial system by supporting responsible innovation in financial services and encouraging sound public policy. AFC members foster competition in consumer finance and pioneer products to better serve underserved consumer segments and geographies.

About LendAPI

LendAPI powers modern lending with infrastructure-first embedded finance technology. Through modular APIs and enterprise-grade reliability, LendAPI helps fintechs, banks, retailers, and platforms launch and scale compliant lending, banking, and digital wallet solutions—fast.

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