Upwardli offers a platform that enables companies to integrate credit-building financial products into their services. It offers APIs and embeddable components that allow partners—such as fintechs, gig worker platforms, and personal-finance tools—to launch features like credit-builder lines of credit, branded cards, and rent-reporting programs. Through these offerings, users’ regular spending or payments are turned into credit-building activity, which is reported to major credit bureaus. Upwardli emphasizes ease of integration, customization of the user experience, and secure compliance with financial regulations. It partners with banking institutions for deposit or credit services while it handles the technical infrastructure and partner-front interface.