Embedded Finance Platforms

Embed Tax and Financial Infrastructure into Your Platform

Embed Tax and Financial Infrastructure into Your Platform

Integrate IRS data, compliance workflows, and financial operations directly into your product — through secure, API-first infrastructure.

Integrate IRS data, compliance workflows, and financial operations directly into your product — through secure, API-first infrastructure.

• IRS transcript APIs with structured, normalized data

• 1099 filing and TIN matching built into your workflows

• Audit-ready infrastructure with full traceability and controls

• IRS transcript APIs with structured, normalized data

• 1099 filing and TIN matching built into your workflows

• Audit-ready infrastructure with full traceability and controls

Talk to a Solutions Expert

Talk to a Solutions Expert

Building Financial Infrastructure Slows Down Product Development

Building Financial Infrastructure Slows Down Product Development

Platforms building onboarding, compliance, or financial workflows must integrate fragmented systems, navigate regulatory requirements, and maintain auditability — all while trying to ship product.

Platforms building onboarding, compliance, or financial workflows must integrate fragmented systems, navigate regulatory requirements, and maintain auditability — all while trying to ship product.

IRS data access is complex and regulated

Authorization flows (8821/2848), transcript formats, and compliance requirements create significant engineering overhead.

Compliance workflows require multiple systems

1099 filing, TIN matching, and reporting are often handled through disconnected tools.

Data pipelines are inconsistent and difficult to maintain

Financial and tax data must be cleaned, normalized, and structured before it can be used.

Solutions

Arbo as Your Financial and Tax Infrastructure Layer

Arbo as Your Financial and Tax Infrastructure Layer

Arbo provides a unified API layer that allows platforms to embed tax and financial workflows directly into their applications.

Instead of building and maintaining infrastructure internally, teams can leverage Arbo to access IRS data, automate compliance workflows, and deliver financial functionality within their product experience.

Arbo provides a unified API layer that allows platforms to embed tax and financial workflows directly into their applications.

Instead of building and maintaining infrastructure internally, teams can leverage Arbo to access IRS data, automate compliance workflows, and deliver financial functionality within their product experience.

How It Works

From IRS Data to Structured, Usable Workflows

From IRS Data to Structured, Usable Workflows

  • User Authorization

    Collect IRS authorization (8821 / 2848) within your platform

  • Data Retrieval via Arbo APIs

    Retrieve IRS transcripts and related data securely

  • Normalization & Structuring

    Convert raw tax data into consistent, structured formats

  • Embed into Your Product

    Use APIs to power onboarding, compliance, underwriting, or reporting workflows

Core Use Cases

What You Can Build with Arbo

What You Can Build with Arbo

Embedded Onboarding & Verification

  • Income verification using IRS transcripts

  • Identity and financial validation

  • Reduce fraud during onboarding

Contractor & Vendor Compliance

  • TIN matching and validation

  • 1099 reporting workflows

  • Automated compliance tracking

Contractor & Vendor Compliance

  • TIN matching and validation

  • 1099 reporting workflows

  • Automated compliance tracking

Financial Data for Risk & Underwriting

  • Normalize income and tax data

  • Feed structured data into scoring models

  • Improve underwriting accuracy

Embedded Reporting & Insights

  • Provide users with tax and financial summaries

  • Build dashboards and reporting features

  • Enable downstream analytics and decisioning

Embedded Reporting & Insights

  • Provide users with tax and financial summaries

  • Build dashboards and reporting features

  • Enable downstream analytics and decisioning

Powered by Core Arbo Infrastructure

Powered by Core Arbo Infrastructure

Book a Demo

Book a Demo

Embedded API Services

  • IRS Data-as-a-Service

  • Transcript retrieval and normalization

  • API-first access layer

Embedded API Services

  • IRS Data-as-a-Service

  • Transcript retrieval and normalization

  • API-first access layer

1099 Filling & TIN Matching

  • Contractor compliance workflows

  • Reporting and validation

1099 Filling & TIN Matching

  • Contractor compliance workflows

  • Reporting and validation

Tax Monitoring & Analytics

  • Ongoing tracking of tax data

  • Risk identification and insights

Tax Monitoring & Analytics

  • Ongoing tracking of tax data

  • Risk identification and insights

Why Platforms Choose Arbo

Why Platforms Choose Arbo

Real-Time IRS Data Access

Eliminate delays from manual workflows and access tax data instantly.

Improved Accuracy & Compliance

Scalable Infrastructure

Infrastructure

Secure, Scalable, and Built for Regulated Environments

Secure, Scalable, and Built for Regulated Environments

Secure, Scalable, and Built for Regulated Environments

Designed for sensitive financial and tax data workflows.

Secure, Scalable, and Built for Regulated Environments

Designed for sensitive financial and tax data workflows.

Permissioning & Audit Trails

Track access, actions, and data usage across systems.

Permissioning & Audit Trails

Track access, actions, and data usage across systems.

Scalable API Infrastructure

Support high-volume requests and enterprise integrations.

Scalable API Infrastructure

Support high-volume requests and enterprise integrations.

Build Financial Infrastructure Without Building It Yourself

Embed IRS data, compliance workflows, and financial capabilities into your platform — with a unified API layer.

Book a Demo

Book a Demo

Build Financial Infrastructure Without Building It Yourself

Embed IRS data, compliance workflows, and financial capabilities into your platform — with a unified API layer.

Book a Demo

Book a Demo