DGN Technologies
Forward-looking cash-flow intelligence for financial institutions
Eliminating overdraft risk
before it hits the ledger.
DGN Technologies equips regional credit unions and CUSOs with deterministic, forward-looking cash-flow intelligence. Our predictive engine catches member shortfalls up to 31 days in advance — replacing punitive overdraft dependency with structured, transparent, and compliance-aware liquidity support decisions.
Core Engine
Dynamic Interval Windows
Maps member cash flow across weekly, biweekly, semi-monthly, and institution-specific paycheck intervals.
Obligations-First Forecasting
Protects expected obligations before calculating remaining Safe-to-Spend.
Safe Maximum Bridge Offer
Evaluates whether a structured bridge appears sustainable under configurable safety floors.
AI-Ready Guardrails
Designed so AI can explain patterns and risk, while deterministic logic controls financial calculations.
Positioning
B2B White-Label
Target
Credit Unions + CUSOs
Role
Decision Support
Our Mission
Preserving non-interest income without compromising member health.
As regulatory scrutiny tightens and traditional overdraft revenue models face pressure, regional financial institutions need safer ways to support members through temporary liquidity gaps. Our mission is to provide the predictive infrastructure necessary to turn financial anxiety into structured, transparent, and sustainable liquidity support.
The Partnership Model
Zero ledger control. High-scale analytical support.
DGN Technologies operates strictly as a B2B infrastructure partner. DGN Layer can overlay existing core, digital banking, and analytics environments through secure API architecture. Financial institutions retain full control over underwriting thresholds, funding, pricing, approvals, disclosures, and member-facing deployment while using our calculations to reduce avoidable overdraft exposure and improve member retention.
Compliance-Aware Positioning
DGN Layer supports decisions. It does not make them.
DGN Layer is a cash-flow forecasting, analytics, and decision-support platform. It does not extend credit, provide liquidity, underwrite loans, approve applications, set pricing, or handle disclosures.
All lending decisions, funding, pricing, approvals, underwriting, disclosures, and regulatory compliance remain solely the responsibility of the financial institution.