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![MMoney642 Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1856832756896153600.png) Mindset for Money, CPA [@MMoney642](/creator/twitter/MMoney642) on x 13.5K followers
Created: 2025-07-20 13:08:43 UTC

How $DAVE Approaches Lending:

Short-term loans are risky, but Dave uses AI to manage that risk through their proprietary underwriting engine called CashAI.

Unlike traditional lenders, Dave does not rely on FICO scores, which they believe are outdated and inflated.

Instead, CashAI analyzes over XXX real time data points from a user's bank account, including spending habits, income trends, and employment status, to make smarter lending decisions.

![](https://pbs.twimg.com/media/GwTRYB9XYAEL7tI.jpg)

XXXXX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1946920203759267956/c:line.svg)

**Related Topics**
[mergers and acquisitions](/topic/mergers-and-acquisitions)
[coins ai](/topic/coins-ai)
[lending](/topic/lending)
[money](/topic/money)
[mindset](/topic/mindset)
[$dave](/topic/$dave)

[Post Link](https://x.com/MMoney642/status/1946920203759267956)