Lending is a $25T industry—and it’s still full of inefficiencies, mispricing, and outdated infrastructure. At Upstart’s first AI Day, we laid out why we’re building a category-of-one business. Here’s how ↓ 🧵

We’re here to change the future of credit. Watch Upstart CMO and SVP of Growth Chantal Rapport describe our vision for the future:.

AI isn’t just about smarter underwriting—it’s a superior experience. Fewer docs. Less time. Lower losses. The result? Credit that's faster, more affordable, and more accessible for millions. CTO Paul Gu breaks it down →.

Upstart’s models now treat time as a feature. That means we can detect—and react to—macroeconomic changes quickly. Faster adaptation = more resilient lending decisions. Watch CTO Paul Gu explain how that impacts results in a backtest:

Typical Log loss functions lead models away from the financially optimal solution—Upstart's proprietary NPV-based loss function corrects that:

Paul explains why predicting when someone defaults matters more than if they default:

How does AI dramatically improve risk separation?.Upstart CTO Paul Gu walks through the tech powering our foundation model for credit at aI day:.→ Loan-month modeling.→ Custom loss functions.→ Dynamic macro response. Here are the highlights:.

CTO Paul Gu explains during AI Day here:.

How does Upstart modeling differentiate from a traditional model? Many more approvals at the same losses.

Cobalt Credit Union knows that their members have diverse financial needs—that’s why they've partnered with Upstart to offer three AI-powered products: personal loans, auto refinance loans, and home equity loans. Welcome to the family, @cobaltcu!. Learn more about how we're

Now, the business of lending is viable in a way it’s never been before. Watch @paulxgu explain:

Upstart takes a different approach:. We changed the underlying technology of lending. Here, AI isn’t a layer—it’s the foundation. And when you rebuild the foundation, the old tradeoffs don’t apply.

What keeps most lenders from getting all 3?. They’re playing the same game:.→ Fixed rules.→ Incomplete data.→ Manual reviews.→ Commoditized pricing. It’s why innovation is rare.

Common “wisdom” says you can’t have a strong-performing credit portfolio, growth and profits at the same time. Not true—you can with AI. 🧵

Why do some loans cost so much?. Because most credit models are built on outdated assumptions. They oversimplify risk—and borrowers pay the price. Upstart’s approach is different:. Better models → smarter pricing → real savings for consumers. Watch #UPST CFO Sanjay Datta

RT @davegirouard: AI is taking us to a world of "always on" credit. It's no longer a process - it's an attribute. Available to you with z….

Why are most traditional loan experiences so frustrating? . Five reasons—and with Upstart, most borrowers can skip them all. CEO @davegirouard walks us through it:

RT @davegirouard: There are 5 layers in a foundation model for credit. No one else is even trying. 🤷‍♂️.

RT @davegirouard: .@upstart will be among the most important and impactful vertical AI companies in the world.

$UPST didn't set out to be an AI company. We set out to fix credit. And we realized over a decade ago—AI was the only way. @davegirouard