We started Two Dots based on the antipication that software would shortly evolve to solve many of the longstanding problems we dealt with personally, early in our careers at Goldman Sachs and Blend.

We’re obsessed with using unstructured data integration to translate micro realities into macro capital allocation. The current consumer financial system both ignores fraud and good bets that don't fit in their box, and the solution isn't a better law of large numbers model or laundering credit risk through boosted trees or myopic time series regression models. It takes understanding profiles in detail to improve the system.

We're implementers, not researchers, but these problems have been festering for a long time and are well-studied in credit risk modeling and HCI literature. Interaction with consumers is required to discover the information needed to make the system better, and we aim to do that at scale.

Our team is based in San Francisco, CA, and brings a wealth of experience from technology, financial services, and academia.