Gokind and Mynt Partner to Advance Cash-Flow Underwriting for Modern B2B Finance

Jan 12, 2026 by Gokind

Stockholm, Sweden – Gokind and Mynt have entered a strategic partnership to strengthen cash-flow–based underwriting for B2B financial services. By combining Mynt’s modern spend management and financing platform with Gokind’s transaction intelligence, the partnership enables a more accurate, real-time understanding of business cash flow, supporting faster and more confident underwriting decisions.

As a leading transaction enrichment provider for B2B use cases in the Nordics, Gokind delivers the data precision, contextual insight, and financial crime expertise required to interpret complex business transaction flows. This allows Mynt to move beyond static financial statements and toward underwriting models grounded in actual, day-to-day financial behaviour.

Real-Time Cash-Flow Underwriting with Open Banking Data

Cash-flow underwriting depends on visibility into how businesses earn, spend, and manage liquidity in real time. Through Open Banking connectivity, Gokind enriches Mynt’s incoming and outgoing transaction data as it occurs, transforming raw bank data into structured, decision-ready intelligence.

This enables Mynt to assess revenue stability, cost structures, and liquidity dynamics with significantly higher accuracy than traditional methods. Continuous cash-flow analysis provides early insight into volatility, concentration risk, and emerging financial stress, critical signals for responsible underwriting and portfolio risk management.

Transaction Intelligence Designed for Business Financial Behaviour

B2B cash flows are inherently complex, shaped by irregular payment cycles, multiple counterparties, and operational seasonality. Gokind’s enrichment engine is purpose-built to interpret these patterns, identifying merchants, counterparties, and transaction intent at high precision.

For Mynt, this means underwriting decisions can be based on a clear view of real operational activity rather than inferred or delayed data, while maintaining the speed and automation expected of modern fintech platforms.

Key Capabilities of the Partnership

  • High-Precision Transaction Enrichment Accurate identification of merchants and counterparties across complex B2B transaction flows.
  • Cash-Flow Underwriting Signals Deep insight into liquidity, revenue consistency, expense patterns, and dependency risks.
  • Financial Crime and Anomaly Detection Risk indicators informed by financial crime expertise, supporting early identification of abnormal or high-risk behaviour alongside underwriting.
  • Non-Persistent Data Processing Gokind does not store transaction data. All enrichment is performed in real time, supporting strong data integrity, reduced exposure, and strict privacy alignment.

Raising the Bar for Data-Driven B2B Finance

The partnership underscores a shared commitment to responsible, data-driven financial services. By pairing Mynt’s innovative B2B finance platform with Gokind’s transaction intelligence and cash-flow expertise, the collaboration sets a higher standard for how cash-flow underwriting can be implemented securely and at scale.

For fintechs seeking more accurate underwriting, real-time cash-flow insight, and robust risk controls, the Mynt X Gokind partnership demonstrates how transaction intelligence can be applied to support growth without compromising trust or data integrity.

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