Block Is Selling Cash App Score, Its Internal Credit Signal, to Outside Lenders

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Block is opening Cash App Score, the real-time credit signal it built for and uses on its own consumer lending portfolio, to external lenders through distribution partner Nova Credit. Selling the underwriting signal rather than the loan turns an internal risk model into a data product, and it puts a transaction-derived score into competition with bureau data for thin-file borrowers. The distribution choice matters: Nova Credit already sits in the alternative-data pipe for lenders who cannot ingest a new feed directly.