MoneyLion is a U.S. fintech company that operates as a two-sided financial marketplace, connecting mass-market American consumers with both its own first-party financial products and a broad catalog of third-party financial products. On the consumer side, MoneyLion offers RoarMoney (a digital checking account), Instacash (earned wage access advances against upcoming paychecks), Credit Builder Plus (a membership bundling a secured credit-builder loan with credit monitoring), and low-minimum managed investing accounts. On the enterprise side, MoneyLion runs "Engine by MoneyLion," a B2B marketplace platform that distributes personalized financial product offers — personal loans, credit cards, insurance, and mortgages — across its own app and through a network of third-party publishers and financial institutions. MoneyLion reports revenue in two segments: Consumer (~68% of FY24 revenue) and Enterprise (~33%). MoneyLion's business model is built around a contribution margin framework: consumers who enter through third-party channels at low margins can be migrated to higher-margin first-party products, and eventually re-engaged with third-party offers through lifecycle marketing at near-zero incremental acquisition cost. MoneyLion originates most consumer receivables and sells them to third-party financing partners, moving credit risk off-balance sheet. Key growth levers include expanding its enterprise partner network, diversifying the marketplace beyond personal loans, and compounding its data advantage through ML models that draw on linked bank accounts and consumer financial behavior.