Pagaya Technologies Ltd. is an Israeli-American financial technology company headquartered in New York City. The company provides an AI-powered decision-making platform that evaluates loan applications using machine learning and big data, modernizing traditional credit assessments for banks, lenders, and financial service providers. Its core products include the Decision Engine, which enables partners to monetize declined applications by offering approvals while Pagaya assumes credit risk; PGY Extended Platform and PGY Best Offer for delivering compelling loan terms; Marketing Engine tools like PGY Affiliates and PGY Prescreen to expand customer reach; and FastPass for frictionless conversions in auto lending. Pagaya connects partners such as Prosper, LendingClub, SoFi, U.S. Bank, Ally, Klarna, and Visa with institutional investors through forward flow agreements and asset-backed securities. The platform supports diverse credit segments including unsecured consumer loans, auto loans, credit cards, buy now pay later, and real estate financing, aiming to increase approval rates and broaden financial access. Founded in 2016, Pagaya operates from offices in New York and Tel Aviv, serving as a B2B network that enhances lending efficiency and generates fee income from brokerage and servicing.