BUILT FOR CANADIAN FINANCIAL INSTITUTIONS

Decision-ready
financial intelligence—
in minutes, not weeks.

CDXA gives banks one verified view of income, cash flow, liabilities, assets, fraud signals and debt-service capacity—turning fragmented review into explainable decision context.

Explore the platform →

Canadian Data Exchange & Analytics · www.cdxa.ca

UNIFIED DECISION PLATFORMINSTITUTION CONTROLLED

Bank accountsTransactions · Payroll

Credit & loansBalances · Obligations

CRA

CRA tax dataIncome · Filing history

INV

AssetsInvestments · Holdings

CDXA DECISION CONTEXTOne verified view

VerifyAnalyzeFraud signalsDebt serviceRisk factorsEvidence

Multi-sourceTraceable evidenceExplainable indicatorsBank retains authority

One unified platformFrom data to decision

Fraud intelligenceSignals and inconsistencies

Debt-service analysisDSR · GDS · TDS context

Decision speedMinutes, not weeks

01 / UNIFIED PLATFORM

One platform.
Every signal needed to decide.

CDXA brings permissioned financial data, verification, analytics and risk signals into one institution-ready view.

01BankPolicy and decision authority

CDXA

Verification

Identity, income and source evidence

Cash flow

Inflows, outflows and recurring activity

Debt service

Obligations, affordability, GDS and TDS

Fraud intelligence

Anomalies, conflicts and hidden exposure

Financial position

Liquidity, assets and liabilities

Evidence trail

Source, consent, timestamp and reason

02 / DECISION WORKFLOW

Verify. Analyze. Detect. Decide.

One continuous workflow from permissioned source data to an explainable institutional decision.

SOURCE-BACKED VERIFICATION

Verify the financial facts that matter.

Confirm identity, income, accounts, liabilities, assets and tax information against permissioned sources.

INPUT: Permissioned multi-source data
OUTPUT: Verified financial evidence

03 / EXPLAINABLE INTELLIGENCE

Every indicator carries its evidence.

Fraud and affordability signals remain connected to the data that produced them.

DECISION CONTEXTDebt-service capacityRisk factors · Explainable evidence

VERIFIED INCOMEPayroll and CRA tax dataSource-backed · Current

DEBT-SERVICE ANALYSISMortgage and credit obligationsDSR · GDS · TDS context

FRAUD INTELLIGENCECross-source consistencyAnomalies and conflicting information

FINANCIAL RESILIENCECash flow, liquidity and assetsTrends, buffers and exposure

04 / SECURITY ARCHITECTURE

Security and control at every layer.

CDXA is structured around institutional data-protection principles.

Operational resilience

Audit & monitoring

Identity & access

Encryption

CDXADATA CORE

Encrypted exchangeProtection in transit and at rest

Purpose controlsConsent scope governs data use

Least privilegeAccess limited by role and need

Traceable activityAccess and actions remain auditable

Institutional controlThe bank retains decision authority

Architecture principles shown for platform context. Certifications and operational controls are stated only when independently verified.

05 / CANADIAN FINANCIAL ECOSYSTEM

Built for Canadian financial institutions.

Designed around the realities of Canadian banks, credit unions and lenders.

INSTITUTION NEEDS

Faster, consistent underwriting

Explainable risk and fraud signals

Clear source-level evidence

CDXA CONNECTIVITY LAYERConsent · Normalization · Traceability

CONNECTION ECOSYSTEM

Direct institution connections

Qualified data providers

Consumer-Driven Banking APIs

06 / LEADERSHIP

Banking strategy meets technology and product.

Two complementary perspectives behind Canadian Data Exchange & Analytics.

CO-FOUNDER · STRATEGY & PARTNERSHIPS

Oksana Sapelnyk

Entrepreneur, operator and business leader with more than 20 years of experience building ventures and partnerships. Her work spans finance, business strategy, market expansion, capital readiness and social-impact leadership—turning ambitious ideas into credible, executable plans.

20+ yearsFinance & strategyPartnerships

LinkedIn ↗

CO-FOUNDER · TECHNOLOGY & PRODUCT

Alex Cohen

Technology leader and entrepreneur with more than three decades across enterprise software, cloud architecture and product engineering. He brings hands-on leadership in AI systems, application security, platform development and cross-functional delivery from concept through customer adoption.

30+ yearsAI & cloudEnterprise platforms