Early Warning

XOR Data Exchange, Inc. is a data exchange platform that focuses on permission-based data sharing to address fraud and credit risk issues within the financial services and communications sectors. Founded in 2014 and headquartered in Austin, Texas, the company enables data owners to maintain control over their information while facilitating its optimization and monetization. By allowing organizations to share data across both competing and non-competing industries, XOR Data Exchange enhances accountability and transparency. Additionally, the company offers solutions such as a compromised identity exchange to protect consumers from identity theft and fraud, as well as Lumen, a patent-pending technology that searches for personal information on the Internet, including dark websites known for trafficking in stolen data. Its clientele includes credit card issuers, small business lenders, marketplace lenders, and companies within the wireless, cable, and satellite industries.

Prove specializes in smartphone-based identity verification, offering phone-centric solutions that enable businesses to securely acquire new consumers and engage with existing ones. Its solutions reduce friction, enhance security, and protect consumer privacy.

ClearXchange LLC is a digital payments network founded in 2011 and based in Charlotte, North Carolina. The company operates a platform that allows customers to send person-to-person payments securely within the United States using mobile numbers or email addresses linked to their bank accounts. ClearXchange facilitates transactions for its member banks, enabling person-to-person, business-to-consumer, and government-to-consumer payments. It partners with major banks such as Bank of America, Capital One, Chase, First Bank, US Bank, and Wells Fargo, allowing their customers to conduct transactions through their mobile banking applications. By providing a secure infrastructure, ClearXchange ensures that users can send and receive money while benefiting from bank-level security and privacy. As of January 2016, ClearXchange operates as a subsidiary of Early Warning Services, LLC.

Prove specializes in smartphone-based identity verification, offering phone-centric solutions that enable businesses to securely acquire new consumers and engage with existing ones. Its solutions reduce friction, enhance security, and protect consumer privacy.