The hard problems in consumer credit

Dated, delayed, fragmented - traditional data sources risk serving neither lenders or their customers effectively.

At Aire, we've pioneered this thinking since 2014, believing that the very best source of data lies with the consumer themselves.

Welcome to a fairer, more accessible standard in consumer credit, powered by first-party data.

First-party data is finally shifting the power balance in credit decisioning towards the consumer.


First-party data empowers the consumer to represent themselves in the credit process and to be heard.


First-party data speeds up the lending process in reducing drop outs as well as the need for manual verification.




Consumers stand to benefit from fairer access to new or improved credit products, at the right level.

First-party data, explained

Your guide to what it is and why it matters.


For decades the use of first-party data has been embraced in fraud prevention yet overlooked in assessing credit risk – until now.

We explore why

Validated income, fast

Designed for lenders, powered by first-party data.

Pulse from Aire

Ever wondered where it all began?

Delve into our Credit Explained mini-series

Get started in just days

Upgrade your approach to credit decisioning with Aire.

First-party data is both unique and powerful in unlocking the real-time, financial context of the individual: the full story, the holistic picture, the truth
Aneesh Varma, Founder and CEO