# Array

> Array is an embedded fintech products platform that lets financial institutions, fintechs, credit-service companies, and consumer brands integrate consumer credit, identity, and background data into their own user experiences and marketing funnels via embeddable white-label components, private-label experiences, and APIs.

This llms.txt was generated by the API Evangelist enrichment pipeline from Array's public surface: array.com, Array's public embed loader at embed.array.io, live anonymous responses from the Array API at array.io, and Array's Statuspage JSON API.

Array's developer documentation at docs.array.com is password-protected at every path (it returns HTTP 200 serving ReadMe's "Password Protected" form). Array advertises an OpenAPI specification, a Postman collection, sandbox identities and sample credit reports on that site; none of them are publicly reachable, so none are included here.

## API

- [Array API (production)](https://array.io/api): REST API for credit, identity and background-data products. Confirmed live — `/api/user/v2` and `/api/report/v2` return structured JSON errors to anonymous callers.
- [Array API (sandbox)](https://sandbox.array.io/api): Host-for-host sandbox mirror of the production API.
- [Developer Tools](https://array.com/developers): Public overview of Array's developer resources.
- [Developer Documentation](https://docs.array.com): API reference, OpenAPI and Postman collection — password-protected.

Authentication is by API key: a 36-character `appKey` identifies the application, `x-credmo-user-token` carries a consumer token from the end user's device, and `x-credmo-client-token` carries a server-side client token. Errors are plain `application/json` with a `message` field and, on validation failures, an `error[]` array of `{value, message, param, location}`. There is no OAuth, no OpenID Connect, and no published rate limit.

## Embedded components

- [array-web-component.js](https://embed.array.io/cms/array-web-component.js): First-party browser client library that registers Array's `<array-*>` custom elements.
- [array-pip-marketing.js](https://embed.array.io/cms/array-pip-marketing.js): Marketing / pre-qualification embed bundle.
- [Embedded demos](https://array.com/developers/embedded-demos): Live component demos.
- [Deployment / Integration](https://array.com/deployment): Embedded, API, and private-label integration options.

## Products

- [My Credit Manager](https://array.com/products/my-credit-manager): Credit scores and monitoring
- [Identity Protect](https://array.com/products/identity-protect): Identity protection and monitoring
- [Privacy Protect](https://array.com/products/privacy-protect): Consumer privacy protection
- [Background Checks](https://array.com/products/background-checks): Consumer background data
- [BuildCredit (Account)](https://array.com/products/buildcredit-account): Credit-building account
- [BuildCredit (Rent)](https://array.com/products/buildcredit-rent): Rent-reporting credit building
- [Debt Manager](https://array.com/products/debt-manager): Debt management
- [Debt Navigator](https://array.com/products/debt-navigator): Debt navigation
- [Offers Engine](https://array.com/products/offers-engine): Personalized financial offers
- [Offers Place](https://array.com/products/offers-place): Offers marketplace
- [Property Data](https://array.com/products/property-data): Property and home data
- [My Home Value](https://array.com/products/my-home-value): Home valuation
- [Subscription Manager](https://array.com/products/subscription-manager): Subscription management
- [Student Loan Aid](https://array.com/products/student-loan-aid): Federal student loan savings
- [Financial Links](https://array.com/products/financial-links): Financial data aggregation
- [Array Plus](https://array.com/products/array-plus): Consumer membership bundle

## Status

- [Status page](https://status.array.com): Real-time and historical system status, thirteen products tracked individually
- [Status API](https://status.array.com/api/v2/summary.json): Atlassian Statuspage v2 JSON — the one machine-readable surface Array serves openly

## Company

- [About Array](https://array.com/company/about-us): Company overview and leadership
- [Newsroom](https://array.com/company/newsroom): Company news and initiatives
- [Careers](https://array.com/company/careers): Open roles
- [Security](https://array.com/security): Security and data-handling posture
- [Pricing](https://array.com/product-pricing/all-features): "Pay only for usage" — no published rates
- [Contact](https://array.com/contact): Sales gate for commercial terms and API access
- [Help Center](https://array.com/help): Technical questions and client support
- [Legal](https://array.com/legal): Legal terms
- [Privacy](https://array.com/privacy): Privacy policy