All Blogs

← Back to Blog Home

Find the Cobalt articles that fit your question. Explore a topic, start with a useful example, or browse every article below.

Jump to all articles ↓

READ BY TOPIC

Explore by topic

Business Verification Entity checks, records, and verification workflows.Secretary of State API State lookups, fields, statuses, and integration decisions.Alternative Financing Underwriting and lending operations.Industry News Market moves, regulation, and alternative-finance developments.

Also exploreAI & Automation ↗AI Fintech ↗

A GOOD PLACE TO BEGIN

Start with what you need

Learn a methodSOS API data coverage checklist ↗A practical way to compare state data and API coverage.See a customer exampleHow 1West automated SOS verification ↗A published customer case study.Meet CobaltFounder Jordan Hansen ↗The person and story behind Cobalt Intelligence.

Latest articles

Secretary of State API

Shela Heramis

April 28, 2026

May 11, 2026

12 Minutes Read

High-Volume KYB at Platform Scale: Architecture for Infrastructure Companies (2026)

Platforms that embed KYB verification as a feature for downstream customers inherit every verification failure at N times the scale. Here is how the architecture has to change when you go from single-tenant underwriting to multi-tenant verification infrastructure.

News

Shela Heramis

May 11, 2026

May 8, 2026

16 Minutes Read

Block Borrow Up 175% as Lender Fraud-Loss Survey Hits 93%

Payment-data underwriting beats bureau-pull through cycle

Secretary of State API

Shela Heramis

April 28, 2026

May 8, 2026

12 Minutes Read

SOS Status Normalization: Why 'Active' Means Different Things in Different States (2026)

Every state's Secretary of State registry uses its own status vocabulary. 'Active' in one state is 'Good Standing' in another and 'Current' in a third. Your verification layer either normalizes cleanly or accumulates silent underwriting drift. Here is the data-model playbook.

Secretary of State API

Shela Heramis

April 28, 2026

May 7, 2026

12 Minutes Read

Verification Waterfall Design: When to Use Cached vs Real-Time Secretary of State Data in 2026

Pure cache verification is cheap but stale. Pure live-ping is current but slow and expensive. A production waterfall routes each application to the right path based on deal risk, entity lifecycle, and state mix. This post is the architecture playbook.

News

Shela Heramis

May 7, 2026

May 6, 2027

14 Minutes Read

CFPB Cuts 1071 Threshold 10x, MCAs Carved Out

Jan 2028 compliance, 9 state regimes still demand pipes

Secretary of State API

Shela Heramis

April 28, 2026

May 6, 2026

12 Minutes Read

The Delaware Name-Change Gap and Other State-Level Feed Failures in Business Verification (2026)

Delaware does not push business name changes into standard data feeds. Oregon runs a slow registry. New Jersey restricts some status data by statute. State-level quirks compound inside static-feed architectures and create verification blind spots invisible to vendor APIs. Here is the state-by-state map.

Secretary of State API

Shela Heramis

April 28, 2026

May 5, 2026

12 Minutes Read

How to Verify Newly-Formed LLCs and Sole Proprietors at Onboarding in 2026

Newly-formed businesses and sole proprietors are the hardest segment to verify at onboarding. Static feeds miss them, fraud rings target them, and state lender-licensing policy requires fast decisioning anyway. Here is the verification playbook.

News

Shela Heramis

May 5, 2026

May 4, 2026

15 Minutes Read

OppFi Pays $130M for BNC Charter at 11.8% of Assets

Third Charter Race Filing in 60 Days. Cheapest of 4 Fintech-Bank Buy

Secretary of State API

Shela Heramis

April 28, 2026

May 4, 2026

12 Minutes Read

Confidence Scoring for KYB Decisioning: Beyond Match / No-Match in 2026

Binary match-or-no-match decisioning routes too many ambiguous cases to manual review and misses signal in the borderline band. Confidence-scored decisioning with tiered auto-accept, human review, and decline thresholds is the production pattern. Here is how to design it.

News

Shela Heramis

May 4, 2026

May 1, 2026

12 Minutes Read

Citadel, Ares Block $500M Spirit Rescue Over 90% Warrant

Unanimous senior consent gives one group full blocking power