Security at Rapid Reconciliation

Financial Intelligence Requires
Responsible Data Protection

Rapid Reconciliation provides portfolio monitoring, financial intelligence, and reconciliation infrastructure for MCA funders. Protecting the commercial financial information used by our platform is fundamental to how Rapid is designed and operated.

Sensitive Data

Built for Sensitive Financial Workflows

Rapid Reconciliation may process or analyze information associated with the following categories of commercial financial data. Access to this information should be limited according to authorized platform roles and legitimate business purposes.

Merchant Financial Accounts

Bank Transaction Data

Revenue & Cash-Flow Information

MCA Payment Activity

MCA Agreements

Funding Positions

Business Identity Information

Portfolio Performance

Reconciliation Information

Funder-Provided Data

Access Control

The Right Information. The Right Users.

Rapid's platform architecture is designed around authorized user roles. Each role has a defined relationship to the information it may access.

Funder

Access should be scoped to the funder's own portfolio, merchants, cases, monitoring information, and related account intelligence.

Broker / Partner

Access should be limited to authorized submissions, merchants, cases, and permitted workflow information.

Rapid Administration

Authorized Rapid personnel may access information necessary for platform operations, support, reconciliation workflows, security, compliance, and authorized administrative functions.

Financial Data Connections

Connected with Purpose

Rapid may integrate with third-party financial-data providers and other authorized data sources to support platform services.

Plaid

Planned

Financial account connectivity for bank transaction data.

MoneyThumb

Planned

Bank statement analysis and financial data processing.

Approved Funder Systems

Planned

Authorized funder API connections for portfolio data.

Approved CRM / API Connections

Planned

Authorized third-party system integrations.

Rapid uses connected financial information to provide authorized services such as financial analysis, portfolio monitoring, cash-flow intelligence, risk identification, and reconciliation workflows. Rapid Portfolio Guard is designed for monitoring and analysis.

Rapid does not move money merely because a merchant's financial account is connected for monitoring. Rapid does not own or store the merchant's banking credentials. Authentication and financial account connectivity occur through the applicable financial-data provider.

RIVA & Responsible Data Use

Intelligence with a Purpose

RIVA — Rapid Intelligence and Viability Assistant — uses authorized platform information to support portfolio intelligence and reconciliation workflows.

Revenue trends
Cash-flow changes
MCA payment patterns
Potential new funding positions
Portfolio risk indicators
MCA agreements
Reconciliation provisions
Account viability
Potential economic scenarios

RIVA's outputs are decision-support information. RIVA does not replace the funder's own underwriting, servicing, legal, compliance, or recovery judgment. The funder maintains authority over its portfolio decisions.

RIVA Portfolio Guard

Post-Funding Monitoring with Authorized Data

Portfolio Guard is designed to help participating funders monitor supported post-funding signals and identify accounts that may require attention.

Revenue changes
Payment irregularities
Cash-flow deterioration
New MCA activity
Changes in financial behavior
Other supported portfolio indicators

Monitoring depends on the availability of authorized connected data. Financial-data connections may occasionally become unavailable, expire, or require merchant reconnection. Rapid does not guarantee uninterrupted access to third-party financial-data connections.

When supported by the application, funders may be notified when a connection requires attention or merchant reconnection.

Use the Data Required for the Service

Rapid's intended principle is to collect, access, and process commercial financial information for legitimate platform purposes associated with the services being provided. Rapid does not sell financial information or use customer information for unrelated purposes.

Review Privacy Policy
Data Architecture

Data in Transit & at Rest

How commercial financial information moves through the Rapid Reconciliation platform.

Merchant / Funder

Authorized platform users

1

Authorized Connection

Secure connectivity layer

2

Financial Data Provider / API

Third-party financial data

3

Rapid Reconciliation

Platform infrastructure

4

RIVA Intelligence

Analysis & decision support

5

Authorized Funder View

Scoped portfolio access

6
Platform Security

Platform Security Controls

Access Control

Platform access is organized around authorized user roles and legitimate business purposes.

Authentication

User access to Rapid Reconciliation is managed through authenticated user accounts with multi-factor authentication and role-based sign-in.

Role-Based Permissions

Funder and broker access is scoped to authorized portfolio and workflow information.

Data Connectivity

Financial-data connections support monitoring, analysis, and reconciliation workflows.

Platform Monitoring

Platform activity is logged for operational visibility and audit readiness.

Data Retention

Data is retained only as long as necessary to deliver platform services, with documented retention and deletion procedures.

Incident Response

Rapid maintains a process for investigating and addressing reported security issues.

Responsible Disclosure

Rapid welcomes responsible security reports from researchers.

Third-Party Technology

A Connected Fintech Ecosystem

Rapid may rely on authorized third-party infrastructure, financial-data providers, APIs, hosting services, and other technology providers to deliver portions of the platform.

Subprocessors / Technology Partners

A list of approved production subprocessors and technology partners is maintained and updated as vendors are reviewed and approved.

View Partners

Have a Security or Compliance Question?

Our team is available to address security, compliance, and data protection inquiries from funders, partners, and security researchers.