Block is no longer keeping its Cash App credit scoring model behind closed doors. The fintech firm is preparing to sell access to its proprietary Cash App Score, positioning it as a new data weapon for lenders hungry for alternative credit insights.
Instead of relying solely on traditional bureau files, Block is betting that behavioral data from digital payments and installment products can unlock more accurate risk assessments — especially for younger, underbanked consumers.
The company confirmed it is already in discussions with potential partners and plans to formalize agreements later this year. While Block made it clear the score will be a paid product, pricing details remain undisclosed.
A New Revenue Stream Built on User Data
Block has opened a waitlist for financial institutions interested in accessing the Cash App Score. The company has not revealed specific counterparties, but indicated that conversations are underway with lending organizations.
The target audience includes:
- Lenders offering products aligned with Cash App users’ borrowing habits
- Distribution partners capable of scaling adoption
- Institutions seeking deeper underwriting intelligence
According to company statements, third-party lenders will be able to embed the score directly into their underwriting workflows alongside traditional credit bureau data and internal models.
What Powers the Cash App Score
The scoring system draws from activity within the Cash App ecosystem, including:
- Performance data from Cash App Borrow
- Installment activity through Afterpay
- Payment behavior and transaction patterns
Block developed the internal scoring framework in 2025. What began as a risk-management tool for in-house lending is now evolving into a standalone product aimed at reshaping how lenders evaluate non-traditional borrowers.
The Bigger Shift: Alternative Data Goes Mainstream
Incorporating buy now, pay later activity and digital payment behavior into credit evaluation has long been debated. Now, it is becoming reality.
For example, Affirm Holdings started reporting customer repayment activity to Experian, one of the major credit bureaus.
Meanwhile, FICO announced plans to integrate BNPL transaction tracking into its scoring framework and share those insights with bureaus.
The industry is clearly pivoting. Traditional credit files alone are no longer enough — lenders increasingly want visibility into digital-first financial behavior.
A Demographic Traditional Banks Struggle to Capture
Cash App’s user base skews younger and more male-heavy than traditional banking customers. This demographic is statistically less engaged with legacy financial institutions — and often invisible to standard credit scoring systems.
Block sees opportunity in that gap.
Since 2022, the company has originated over $100 billion in consumer loans. Cash App reports 58 million monthly active users — a scale large enough to transform internal analytics into a market-facing product.
Financial Inclusion — or Strategic Expansion?
Publicly, Block frames the initiative as a move to expand financial access. Privately, the strategy aligns with its aggressive push into consumer lending, including expansion of short-term loan offerings across more U.S. states.
Selling the Cash App Score marks a natural next step: monetize behavioral data, extend ecosystem influence, and position Block as both a lender and a credit intelligence provider.
The message to the market is clear — alternative payment data is no longer supplemental. It is becoming foundational.
And Block intends to be at the center of that transformation.