Pentadata and Esusu Partner To Deliver Rental and Open Banking Data API

New API combines rental payment history with banking and credit data to expand access to credit and improve financial inclusion.

Published on Feb. 23, 2026

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Pentadata Inc. and Esusu, a leading rental data and rent reporting platform, have announced a strategic partnership to integrate Esusu's verified rental payment data into Pentadata's unified financial data infrastructure. This will allow lenders, banks, and fintechs to access rental, banking, and credit data through a single API, enabling more accurate risk assessment, broader credit access, and stronger financial inclusion.

Why it matters

Incorporating rental payment history into credit decisioning is a growing trend, as it provides a more complete picture of consumer financial health, especially for underserved populations. This partnership aims to make it easier for financial institutions to leverage this data and expand access to credit responsibly.

The details

Through the partnership, Pentadata will embed Esusu's rental data into its 'financial data aggregator of aggregators' model, which unifies open banking data from leading providers. This will allow lenders to seamlessly access verified rent payment history alongside bank transaction and credit data through a single, standardized API. On average, Esusu renters see a 53-point increase in their credit score, unlocking $77 billion in credit, including $49 billion in mortgages.

  • Pentadata and Esusu announced the partnership on February 23, 2026.

The players

Pentadata Inc.

A financial data aggregator that provides secure, permission-based access to diverse financial datasets through APIs.

Esusu

The leading rental data and rent reporting platform that transforms rent payments into credit-building financial data by reporting verified on-time payments to major credit bureaus.

Pietro Grandinetti

CEO of Pentadata.

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What they’re saying

“We are excited to partner with Esusu to incorporate rental payment data into our financial data infrastructure. This integration helps lenders securely leverage richer financial data at scale to expand access to credit.”

— Pietro Grandinetti, CEO of Pentadata (Business Wire)

What’s next

The new Pentadata API integrating Esusu's rental data is expected to be available to lenders, banks, and fintechs in the coming months, enabling them to leverage this data to improve credit decisioning and expand financial inclusion.

The takeaway

This partnership between Pentadata and Esusu represents a significant step forward in making rental payment history a mainstream part of credit and financial systems, providing a more holistic view of consumer financial health and opening up new opportunities for underserved populations to access credit and improve their financial well-being.