Trusted, Fast, and Fraud-Resistant
Real-Time Financial Insight
Real-Time Financial Insight
Assess real-time financial capacity and credit risk with verified income documents, PSD2 banking data, and AI-driven analytics - beyond traditional affordability and credit scoring.
Assess real-time financial capacity and credit risk with verified income documents, PSD2 banking data, and AI-driven analytics - beyond traditional affordability and credit scoring.
Verified Income source
Salary Year
Payslips
PSD2
Tax Income
Bank TRX
Verified Income source
Payslips
Salary Year
Tax Income
Bank TRX
PSD2
01
Features
Beyond Traditional Affordability and Credit Checks
Beyond Traditional Affordability and Credit Checks
Bank Statement
Share your transactions for accurate and detailed financial insights instantly.
Payslip/Annual Salary
Add payslips to quickly verify your income easily. Or upload an annual salary statement.
Income statement
Submit official income documents for trusted, fast, and precise verification.
PSD2 Open Banking
Securely analyses six months of bank transactions to verify income, costs, and behavior.
Transparent Results
Affordability and risk results are shown clearly, then shared securely with approved third parties.
SEE-backed credibility
SEE scan scores a neighborhood’s income, housing, education, and employment using global data.
Bank Statement
Share your transactions for accurate and detailed financial insights instantly.
Payslip/Annual Salary
Add payslips to quickly verify your income easily. Or upload an annual salary statement.
Income statement
Submit official income documents for trusted, fast, and precise verification.
PSD2 Open Banking
Securely analyses six months of bank transactions to verify income, costs, and behavior.
Transparent Results
Affordability and risk results are shown clearly, then shared securely with approved third parties.
SEE-backed credibility
SEE scan scores a neighborhood’s income, housing, education, and employment using global data.
Bank Statement
Share your transactions for accurate and detailed financial insights instantly.
Payslip/Annual Salary
Add payslips to quickly verify your income easily. Or upload an annual salary statement.
Income statement
Submit official income documents for trusted, fast, and precise verification.
PSD2 Open Banking
Securely analyses six months of bank transactions to verify income, costs, and behavior.
Transparent Results
Affordability and risk results are shown clearly, then shared securely with approved third parties.
SEE-backed credibility
SEE scan scores a neighborhood’s income, housing, education, and employment using global data.
Bank Statement
Share your transactions for accurate and detailed financial insights instantly.
Payslip/Annual Salary
Add payslips to quickly verify your income easily. Or upload an annual salary statement.
Income statement
Submit official income documents for trusted, fast, and precise verification.
PSD2 Open Banking
Securely analyses six months of bank transactions to verify income, costs, and behavior.
Transparent Results
Affordability and risk results are shown clearly, then shared securely with approved third parties.
SEE-backed credibility
SEE scan scores a neighborhood’s income, housing, education, and employment using global data.
Bank Statement
Share your transactions for accurate and detailed financial insights instantly.
Payslip/Annual Salary
Add payslips to quickly verify your income easily. Or upload an annual salary statement.
Income statement
Submit official income documents for trusted, fast, and precise verification.
PSD2 Open Banking
Securely analyses six months of bank transactions to verify income, costs, and behavior.
Transparent Results
Affordability and risk results are shown clearly, then shared securely with approved third parties.
SEE-backed credibility
SEE scan scores a neighborhood’s income, housing, education, and employment using global data.
01
Features
Beyond Traditional Affordability and Credit Checks
Bank Statement
Share your transactions for accurate and detailed financial insights instantly.
Payslip/Annual Salary
Add payslips to quickly verify your income easily. Or upload an annual salary statement.
Income statement
Submit official income documents for trusted, fast, and precise verification.
PSD2 Open Banking
Securely analyses six months of bank transactions to verify income, costs, and behavior.
Transparent Results
Affordability and risk results are shown clearly, then shared securely with approved third parties.
SEE-backed credibility
SEE scan scores a neighborhood’s income, housing, education, and employment using global data.
Bank Statement
Share your transactions for accurate and detailed financial insights instantly.
Payslip/Annual Salary
Add payslips to quickly verify your income easily. Or upload an annual salary statement.
Income statement
Submit official income documents for trusted, fast, and precise verification.
PSD2 Open Banking
Securely analyses six months of bank transactions to verify income, costs, and behavior.
Transparent Results
Affordability and risk results are shown clearly, then shared securely with approved third parties.
SEE-backed credibility
SEE scan scores a neighborhood’s income, housing, education, and employment using global data.
Bank Statement
Share your transactions for accurate and detailed financial insights instantly.
Payslip/Annual Salary
Add payslips to quickly verify your income easily. Or upload an annual salary statement.
Income statement
Submit official income documents for trusted, fast, and precise verification.
PSD2 Open Banking
Securely analyses six months of bank transactions to verify income, costs, and behavior.
Transparent Results
Affordability and risk results are shown clearly, then shared securely with approved third parties.
SEE-backed credibility
SEE scan scores a neighborhood’s income, housing, education, and employment using global data.
Bank Statement
Share your transactions for accurate and detailed financial insights instantly.
Payslip/Annual Salary
Add payslips to quickly verify your income easily. Or upload an annual salary statement.
Income statement
Submit official income documents for trusted, fast, and precise verification.
PSD2 Open Banking
Securely analyses six months of bank transactions to verify income, costs, and behavior.
Transparent Results
Affordability and risk results are shown clearly, then shared securely with approved third parties.
SEE-backed credibility
SEE scan scores a neighborhood’s income, housing, education, and employment using global data.
Bank Statement
Share your transactions for accurate and detailed financial insights instantly.
Payslip/Annual Salary
Add payslips to quickly verify your income easily. Or upload an annual salary statement.
Income statement
Submit official income documents for trusted, fast, and precise verification.
PSD2 Open Banking
Securely analyses six months of bank transactions to verify income, costs, and behavior.
Transparent Results
Affordability and risk results are shown clearly, then shared securely with approved third parties.
SEE-backed credibility
SEE scan scores a neighborhood’s income, housing, education, and employment using global data.
02
Industries
Who Benefits Most
Who Benefits Most
Banking & Lending
Real Estate & Mortgages
Gambling & Player Protection
BNPL, Retail Finance & Leasing
Business to Business
Modern Lending Decisions
A unified decisioning platform for banks, lenders, and fintechs serving both B2C and SMB customers
Banking & Lending
Real Estate & Mortgages
Gambling & Player Protection
BNPL, Retail Finance & Leasing
Business to Business
Modern Lending Decisions
A unified decisioning platform for banks, lenders, and fintechs serving both B2C and SMB customers
Banking & Lending
Real Estate & Mortgages
Gambling & Player Protection
BNPL, Retail Finance & Leasing
Business to Business
Modern Lending Decisions
A unified decisioning platform for banks, lenders, and fintechs serving both B2C and SMB customers
03
Integrations
Seamless Enterprise Integration
Seamless Enterprise Integration
Connect Wealth Check with your system via API, dashboard, or an embedded onboarding flow for fast, automated and sound decisioning.
Connect Wealth Check with your system via API, dashboard, or an embedded onboarding flow for fast, automated and sound decisioning.
All done!
04
Deployment
Deployment That Works for You
Deployment That Works for You
Deploy Wealth Check via cloud, on-premises, or hybrid setup, ensuring secure, scalable, and seamless integration with your existing infrastructure.
Deploy Wealth Check via cloud, on-premises, or hybrid setup, ensuring secure, scalable, and seamless integration with your existing infrastructure.
05
Wealth Check Report
Decision Intelligence in One Report
Decision Intelligence in One Report
A unified report combining income verification, bank data, and risk analysis to support fast, reliable decision-making.
A unified report combining income verification, bank data, and risk analysis to support fast, reliable decision-making.
05
Advantages for a company
Enterprise Advantages
Enterprise Advantages
True affordability insight
Gain a full view of a person or company’s financial capacity, including disposable income, stability, and affordability beyond simple income thresholds.
True affordability insight
Gain a full view of a person or company’s financial capacity, including disposable income, stability, and affordability beyond simple income thresholds.
True affordability insight
Gain a full view of a person or company’s financial capacity, including disposable income, stability, and affordability beyond simple income thresholds.
Fewer defaults and arrears
Make smarter accept or decline decisions to consistently reduce payment defaults, minimize arrears, and improve overall financial reliability.
Fewer defaults and arrears
Make smarter accept or decline decisions to consistently reduce payment defaults, minimize arrears, and improve overall financial reliability.
Fewer defaults and arrears
Make smarter accept or decline decisions to consistently reduce payment defaults, minimize arrears, and improve overall financial reliability.
Fast, automated decisions
Replace hours of manual checks with instant, AI-driven assessments that combine document verification, bank data, and risk analytics.
Fast, automated decisions
Replace hours of manual checks with instant, AI-driven assessments that combine document verification, bank data, and risk analytics.
Fast, automated decisions
Replace hours of manual checks with instant, AI-driven assessments that combine document verification, bank data, and risk analytics.
Fraud prevention before onboarding
Detect forged documents, anomalies, and high-risk behaviour early, stopping problems before they enter your workflow.
Higher conversion
Improve onboarding success with friction-aware checks, fewer back-and-forth requests, and faster approvals.
Fraud prevention before onboarding
Detect forged documents, anomalies, and high-risk behaviour early, stopping problems before they enter your workflow..
Fraud prevention before onboarding
Detect forged documents, anomalies, and high-risk behaviour early, stopping problems before they enter your workflow..
Higher conversion
Improve onboarding success with friction-aware checks, fewer back-and-forth requests, and faster approvals.
Higher conversion
Improve onboarding success with friction-aware checks, fewer back-and-forth requests, and faster approvals.
06
Testimonial
What Our Clients Say
Finnplay is a leading iGaming platform for casino and sportsbook betting. With the Bluem Wealth Check, operators can confidently assess whether a player’s deposits are financially responsible. The API integration is effortless: players complete the check in a few steps, return to their account automatically, and FinnPlay receives the results instantly via webhook. Another big plus: Bluem combines multiple sources (income docs, PSD2 & public registers), improving check quality and giving players options to prove affordability.
Jaakko Soininen
Managing Director, Finnplay
Bluem Wealth Check lets players increase their limits without paperwork. Instead of printing and sending income documents, players complete a smooth digital affordability check (CCBR, income docs & PSD2) that meets the Gambling Authority rules. For Unibet, it improved financial risk decision-making, reduced work, and strengthened player protection. All without adding friction to the player journey. Next, it’s secure, privacy-friendly, and fraud-resistant.
Istvan Farkas
Operational Product Supplier Manager, FDJ UNITED
Finnplay is a leading iGaming platform for casino and sportsbook betting. With the Bluem Wealth Check, operators can confidently assess whether a player’s deposits are financially responsible. The API integration is effortless: players complete the check in a few steps, return to their account automatically, and FinnPlay receives the results instantly via webhook. Another big plus: Bluem combines multiple sources (income docs, PSD2 & public registers), improving check quality and giving players options to prove affordability.
Jaakko Soininen
Managing Director, Finnplay
Bluem Wealth Check lets players increase their limits without paperwork. Instead of printing and sending income documents, players complete a smooth digital affordability check (CCBR, income docs & PSD2) that meets the Gambling Authority rules. For Unibet, it improved financial risk decision-making, reduced work, and strengthened player protection. All without adding friction to the player journey. Next, it’s secure, privacy-friendly, and fraud-resistant.
Istvan Farkas
Operational Product Supplier Manager, FDJ UNITED
06
Testimonial
What Our Clients Say
Finnplay is a leading iGaming platform for casino and sportsbook betting. With the Bluem Wealth Check, operators can confidently assess whether a player’s deposits are financially responsible. The API integration is effortless: players complete the check in a few steps, return to their account automatically, and FinnPlay receives the results instantly via webhook. Another big plus: Bluem combines multiple sources (income docs, PSD2 & public registers), improving check quality and giving players options to prove affordability.
Jaakko Soininen
Managing Director, Finnplay
Bluem Wealth Check lets players increase their limits without paperwork. Instead of printing and sending income documents, players complete a smooth digital affordability check (CCBR, income docs & PSD2) that meets the Gambling Authority rules. For Unibet, it improved financial risk decision-making, reduced work, and strengthened player protection. All without adding friction to the player journey. Next, it’s secure, privacy-friendly, and fraud-resistant.
Istvan Farkas
Operational Product Supplier Manager, FDJ UNITED
Finnplay is a leading iGaming platform for casino and sportsbook betting. With the Bluem Wealth Check, operators can confidently assess whether a player’s deposits are financially responsible. The API integration is effortless: players complete the check in a few steps, return to their account automatically, and FinnPlay receives the results instantly via webhook. Another big plus: Bluem combines multiple sources (income docs, PSD2 & public registers), improving check quality and giving players options to prove affordability.
Jaakko Soininen
Managing Director, Finnplay
Bluem Wealth Check lets players increase their limits without paperwork. Instead of printing and sending income documents, players complete a smooth digital affordability check (CCBR, income docs & PSD2) that meets the Gambling Authority rules. For Unibet, it improved financial risk decision-making, reduced work, and strengthened player protection. All without adding friction to the player journey. Next, it’s secure, privacy-friendly, and fraud-resistant.
Istvan Farkas
Operational Product Supplier Manager, FDJ UNITED
06
Testimonial
What Our Clients Say
Finnplay is a leading iGaming platform for casino and sportsbook betting. With the Bluem Wealth Check, operators can confidently assess whether a player’s deposits are financially responsible. The API integration is effortless: players complete the check in a few steps, return to their account automatically, and FinnPlay receives the results instantly via webhook. Another big plus: Bluem combines multiple sources (income docs, PSD2 & public registers), improving check quality and giving players options to prove affordability.
Jaakko Soininen
Managing Director, Finnplay
Bluem Wealth Check lets players increase their limits without paperwork. Instead of printing and sending income documents, players complete a smooth digital affordability check (CCBR, income docs & PSD2) that meets the Gambling Authority rules. For Unibet, it improved financial risk decision-making, reduced work, and strengthened player protection. All without adding friction to the player journey. Next, it’s secure, privacy-friendly, and fraud-resistant.
Istvan Farkas
Operational Product Supplier Manager, FDJ UNITED
07
How it works?
How We Assess
How We Assess
Step 1
Document Intelligence
Uploaded or scanned documents are read instantly, extracting data and detecting forgery, inconsistencies.
Step 2
Open Banking Analysis
Six months of debit and credit transactions are retrieved and analyzed using PSD2 connections.
Step 3
Financial Assessment
Income, expenses, debts, stability, and payment behavior are evaluated to determine true affordability and credit risk. Option: including SEE scan.
Step 4
Clear Results
Actionable affordability and risk outcomes are delivered via dashboard, API, or embedded flow.
Step 1
Document Intelligence
Uploaded or scanned documents are read instantly, extracting data and detecting forgery, inconsistencies.
Step 2
Open Banking Analysis
Six months of debit and credit transactions are retrieved and analyzed using PSD2 connections.
Step 3
Financial Assessment
Income, expenses, debts, stability, and payment behavior are evaluated to determine true affordability and credit risk. Option: including SEE scan.
Step 4
Clear Results
Actionable affordability and risk outcomes are delivered via dashboard, API, or embedded flow.
Step 1
Document Intelligence
Uploaded or scanned documents are read instantly, extracting data and detecting forgery, inconsistencies.
Step 2
Open Banking Analysis
Six months of debit and credit transactions are retrieved and analyzed using PSD2 connections.
Step 3
Financial Assessment
Income, expenses, debts, stability, and payment behavior are evaluated to determine true affordability and credit risk. Option: including SEE scan.
Step 4
Clear Results
Actionable affordability and risk outcomes are delivered via dashboard, API, or embedded flow.
Step 1
Document Intelligence
Uploaded or scanned documents are read instantly, extracting data and detecting forgery, inconsistencies.
Step 2
Open Banking Analysis
Six months of debit and credit transactions are retrieved and analyzed using PSD2 connections.
Step 3
Financial Assessment
Income, expenses, debts, stability, and payment behavior are evaluated to determine true affordability and credit risk. Option: including SEE scan.
Step 4
Clear Results
Actionable affordability and risk outcomes are delivered via dashboard, API, or embedded flow.
Step 1
Document Intelligence
Uploaded or scanned documents are read instantly, extracting data and detecting forgery, inconsistencies.
Step 1
Document Intelligence
Uploaded or scanned documents are read instantly, extracting data and detecting forgery, inconsistencies.
Step 2
Open Banking Analysis
Six months of debit and credit transactions are retrieved and analyzed using PSD2 connections.
Step 2
Open Banking Analysis
Six months of debit and credit transactions are retrieved and analyzed using PSD2 connections.
Step 3
Financial Assessment
Income, expenses, debts, stability, and payment behavior are evaluated to determine true affordability and credit risk. Option: including SEE scan.
Step 3
Financial Assessment
Income, expenses, debts, stability, and payment behavior are evaluated to determine true affordability and credit risk. Option: including SEE scan.
Step 4
Clear Results
Actionable affordability and risk outcomes are delivered via dashboard, API, or embedded flow.
Step 4
Clear Results
Actionable affordability and risk outcomes are delivered via dashboard, API, or embedded flow.
08
Deliveries
What Insight It Delivers
What Insight It Delivers
About An Individual
About An Individual
Clear insight into income, affordability, and financial stability.
Clear insight into income, affordability, and financial stability.
Net income validation + Source of Income
Net income validation + Source of Income
Fixed costs and obligations
Fixed costs and obligations
Disposable income (what’s left after fixed expenses)
Disposable income (what’s left after fixed expenses)
Repayment capability / loan capability
Repayment capability / loan capability
Stability of income and expenses
Stability of income and expenses
Risk indicators (e.g., irregular payment behaviour, risky spend patterns)
Risk indicators (e.g., irregular payment behaviour, risky spend patterns)
About A Company
About A Company
Real-time visibility into cashflow, risk, and payment behaviour.
Real-time visibility into cashflow, risk, and payment behaviour.
Revenue stability and client concentration signals
Revenue stability and client concentration signals
Cost structure (payroll, rent, suppliers, fixed costs)
Cost structure (payroll, rent, suppliers, fixed costs)
Cash position and trend
Cash position and trend
Payment behavior (regular vs late payer)
Payment behavior (regular vs late payer)
A real-time view that can outperform static “old-school” credit scores
A real-time view that can outperform static “old-school” credit scores
Discover All Wealth Check Features for Free
Experience Wealth Check firsthand and explore how real-time affordability, document verification, and PSD2-backed insights can streamline risk assessment, prevent fraud, and improve decision-making.
09
Try Demo
Wealth Check in Action
Wealth Check in Action
Discover All Wealth Check Features for Free
Experience Wealth Check firsthand and explore how real-time affordability, document verification, and PSD2-backed insights can streamline risk assessment, prevent fraud, and improve decision-making.
10
FAQ
Frequently Asked Questions
Frequently Asked Questions
Find quick answers to common queries and learn how to make the most of our Wealth Check platform
Find quick answers to common queries and learn how to make the most of our Wealth Check platform
How does Wealth Check differ from traditional credit scoring?
How does Wealth Check differ from traditional credit scoring?
What types of documents can be verified?
What types of documents can be verified?
How does Open Banking integration work?
How does Open Banking integration work?
Is customer privacy protected?
Is customer privacy protected?
Can Wealth Check be used for both individuals and companies?
Can Wealth Check be used for both individuals and companies?
See Your Customer’s Financial Risk Like Never Before
Request a demo today and see how Wealth Check delivers actionable affordability, risk, and fraud insights—fast, secure, and privacy-first.
Bluem Websites
Contact us
+31 (0)85-222040
info@bluem.nl
Smallepad 30, 3811 MG Amersfoort, Netherlands
See Your Customer’s Financial Risk Like Never Before
Request a demo today and see how Wealth Check delivers actionable affordability, risk, and fraud insights—fast, secure, and privacy-first.
Real-time affordability and risk decisions, powered by Bluem using documents and bank data.
Bluem Websites
Contact us
+31 (0)85-2220400
info@bluem.nl
Smallepad 30, 3811 MG Amersfoort, NL
www.bluem.nl
© 2025 Bluem. All rights reserved.