ARRAY

Embedded financial innovation platform for credit, identity, and financial wellness products

Insurtech Infrastructure Growth Series A+ (USD 190M total)

Overview

Array is a financial innovation platform founded in 2020 by Martin Toha and Phillip Zedalis. The company helps digital brands, financial institutions, fintechs, and insurance carriers quickly launch consumer credit, identity protection, and financial wellness products. Array delivers a suite of white-label, API-driven tools that clients embed within their own branded digital experiences.

For the insurance sector, Arrays ID Protect product bundles identity monitoring, insurance, and restoration services, enabling carriers and brokers to offer identity protection as a value-added benefit for policyholders. The platform provides embeddable, custom-branded credit and identity tools, personalized financial offers, and money management solutions that integrate seamlessly into existing carrier or broker digital experiences.

Array has accelerated its product expansion through acquisitions, adding EarnUp (paycheck-aligned payments) and Penny Finance (financial education) in early 2026, and completing a merger with MoneyKit in mid-2025 to extend embedded finance capabilities.

Products & Services

My Credit Manager

Embeddable credit tracking tool providing 1-bureau and 3-bureau credit reports, credit simulation, and credit building resources for consumers.

Key Features

Multi-bureau credit report access (Equifax, Experian, TransUnion)
Credit score simulation tools
Credit building guidance and alerts

Target Users: Insurance carriers and digital brands embedding credit tools for policyholders

ID Protect

Identity and dark web monitoring with alerts, identity theft insurance, and restoration services. Enables carriers and fintechs to offer identity protection as a policyholder benefit.

Key Features

Dark web monitoring and real-time alerts
Identity theft insurance coverage
Identity restoration services

Target Users: Insurance carriers and brokers adding identity protection benefits

Privacy Protect

Personal data removal and privacy management services enabling consumers to control their digital footprint.

Key Features

Automated personal data removal requests
Ongoing privacy monitoring
Consumer-facing privacy dashboard

Target Users: Consumers via embedded deployments at financial institutions and insurers

Penny Finance

Financial education and money management platform (acquired February 2026). Helps consumers build stronger financial habits through education, planning, and everyday money management tools.

Key Features

Financial literacy content and education
Budgeting and planning tools
Money management habit tracking

Target Users: Consumers embedded within financial institution or insurer portals

EarnUp

Flexible, paycheck-aligned payment solutions (acquired February 2026). Helps consumers align debt and bill payments with their pay cycles.

Key Features

Paycheck-synchronized bill payment scheduling
Debt alignment and management tools
Award-winning flexible payment technology

Target Users: Consumers and financial institutions managing recurring payments

Offers Engine

Targeted, credit-data-driven product offer recommendations for financial institutions and digital brands.

Key Features

Personalized offer matching based on credit profiles
White-label embeddable offer widgets
Integration with credit bureau data

Target Users: Banks, credit unions, insurance carriers, and fintechs seeking revenue-generating offer placements

At a Glance

Founded: 2020
Headquarters: New York, NY, USA
Employees: 201-500
Funding: Series A+ (USD 190M total)

Category & Focus

Category: Insurtech Infrastructure
Subcategories: Embedded Finance Identity Protection Credit Management Financial Wellness
Insurance Verticals: P&C Personal Health Group Benefits
Target Customers: Carriers, Brokers, Consumers