Changelog

We’ve introduced peer-to-peer application sharing with one goal: making it easier to send, receive, and act on applications across parties.

What’s New

Peer-to-Peer Application Sharing

Applicants and operators can now share completed applications directly with other parties.

Whether sending to a landlord, lender, or third party, applications can be shared instantly without re-submission or manual forwarding.

User-Controlled Sharing

Applicants choose who receives their application.

Data is only shared when explicitly selected, ensuring a consent-driven and transparent experience.

Complete Application Visibility

Shared applications include the full profile, including identity, financials, credit, and supporting data.

Recipients receive structured, decision-ready information without needing additional steps or tools.

Faster Collaboration

By removing friction in how applications are shared, teams and applicants can move faster.

No duplicate applications, no missing information, and no back-and-forth.

We’ve introduced a redesigned tradelines view with one goal: making credit data easier to read, understand, and act on.

What’s New

Structured Tradelines Overview

Carousel now presents tradeline data in a clear, standardized format.

Each account is organized and labeled for quick interpretation, removing the need to decode raw bureau outputs or navigate complex reports.

Full Account Summaries

Each tradeline includes a complete summary of balances, payment history, and account activity.

Teams can quickly understand how an account is being managed without digging through raw data or piecing together multiple fields.

Readable Narratives and Labels

Previously unclear codes and narratives are now translated into human-readable descriptions.

Teams can quickly understand account behavior without needing external documentation or manual interpretation.

Faster Credit Analysis

By structuring and simplifying tradeline data, teams can assess credit profiles more efficiently and with greater confidence.

No more scanning dense reports or piecing together fragmented information.

We’ve introduced applicant-paid workflows with one goal: making it easier to collect, manage, and reconcile payments within the application process.

What’s New

Integrated Applicant Payments

Carousel now supports payments directly within the application flow.

Applicants can complete required fees as part of their submission, with payments, tracking, and refunds fully managed within Carousel. No external tools or manual follow-ups required.

Frictionless Payment Experience

Payments are embedded seamlessly into the flow, keeping the experience simple and uninterrupted.

Applicants clearly understand what they are paying for and can complete the process in just a few steps.

Automatic Reconciliation

Every payment is tied directly to an application, removing the need for manual tracking or follow-ups.

Teams get clear visibility into who has paid, what was paid, and when, all within the platform.

Built for Real Workflows

Whether charging for screening, verification, or application processing, payments are fully integrated into the onboarding experience.

This reduces drop-off, simplifies operations, and ensures applications move forward without delays.

We’ve introduced a dedicated tenancy dashboard with one goal: making rental decisions clearer, faster, and grounded in the right data.

What’s New

Purpose-Built Tenant KPIs

Carousel now surfaces the key signals landlords actually care about, not just raw data.

From income consistency and rent affordability to credit health and legal history, each applicant is broken down into clear, actionable indicators that make evaluation faster and more intuitive.

Structured Applicant Profiles

All applicant data is organized into a clean, unified view, combining identity, financials, credit, and legal checks into one cohesive profile.

No digging through reports or interpreting fragmented outputs. Everything is standardized and easy to understand.

Faster, More Confident Decisions

Instead of reviewing disconnected documents, teams can quickly assess applicants based on meaningful metrics and summarized insights.

This reduces guesswork and allows landlords to move forward with confidence, even across multiple applications.

Designed for Real Screening Workflows

Whether reviewing a single applicant or comparing across a pool, the tenancy dashboard highlights what matters most and helps landlords prioritize strong candidates and act quickly.

We’ve expanded our credit capabilities with one goal: giving teams a more complete and flexible view of applicant credit profiles.

What’s New

TransUnion Credit Reports

Carousel now supports full TransUnion credit reports, integrated directly into the application flow.

Teams can access detailed credit data from TransUnion alongside existing Equifax coverage, enabling broader visibility and more flexibility depending on use case or preference.

Dual Bureau Coverage

With both Equifax and TransUnion available, teams can now choose their preferred bureau or leverage both to gain a more comprehensive understanding of an applicant’s credit profile.

This reduces blind spots and allows for more confident decision-making across different lending and screening scenarios.

Seamless In-Flow Integration

Credit checks remain fully embedded within the Carousel experience.

Applicants complete the process in a single flow, while teams receive structured, decision-ready credit data, without relying on external systems or fragmented workflows.

We’ve shipped a new set of capabilities focused on one goal: making applicant screening more complete without adding complexity.

What’s New

Integrated Legal Checks (Openroom & SOQUIJ)

Carousel now supports legal record checks directly within the application flow, powered by Openroom and SOQUIJ.

This allows teams to surface relevant court and legal records as part of a single, unified workflow, without relying on external tools or manual searches.

Applicants complete everything in one place, while teams gain immediate access to structured legal insights alongside identity, financial, and credit data.

Expanded Risk Screening Coverage

With the addition of legal checks, Carousel now provides a more complete view of each applicant.

Legal records are seamlessly combined with existing verification layers, helping teams better assess risk and make more informed decisions, all from a single interface.

Seamless In-Flow Experience

Legal checks are fully embedded into the onboarding experience.

No redirects, no additional steps, and no disruption to the applicant journey, just a smoother process with deeper insights built in.

We’ve shipped a set of updates focused on one goal: making decisions easier to make, understand, and complete.

What’s New

Canadian Criminal Background Checks

Carousel now supports integrated Canadian criminal background checks, built directly into the onboarding flow. This enables teams to add another layer of risk screening without manual processes or external tools.

Redesigned “Manage All Applications” page

The main applicants view has been reworked to be easier to navigate and faster to use.

• Clearer layout

• Color-coded stage iconography for instant status recognition

• New quick-copy icons for faster information sharing

Cleaner Financial Insights page

Financial data is now easier to explore and interpret.

• Improved organization

• New filters to surface what matters most

• Less noise, more signal

Revamped E-Signatures experience

The signing flow now includes a visual preview of the document, making it clearer what’s being reviewed and signed at every step.

Geo-localized address map

Each applicant profile now includes a map view of the provided address, adding quick geographic context without extra clicks.

Updated Custom Questionnaire design

Questionnaires have a cleaner, sleeker, more modern interface, easier for applicants to complete and simpler for teams to review.

New Borrowing Amount slider

Entering requested amounts is now more intuitive with a visual slider that replaces manual entry alone.

Unified Settings page

Workflow Settings and Profile Settings have been consolidated into a single Settings page, reducing navigation friction and simplifying configuration.

Multi-Bank Connectivity is Now Live

Carousel now supports multiple bank connections in a single flow, giving you a complete financial picture instead of one account at a time.

What’s New

• Connect and verify multiple institutions at once

• Aggregate balances, transactions, and income across all accounts

• Enriched insights like combined cash flow, liabilities, and income patterns

• Automated fraud checks across banks

• Fully logged, encrypted, and audit ready

Why It Matters

For businesses:

Smarter underwriting and risk decisions with full visibility into income, liquidity, transfers, overdrafts, and hidden liabilities. No more chasing secondary statements.

For applicants:

One seamless experience to connect all accounts at once. Fewer documents needed and faster approvals.

How It Works

Applicants authenticate each bank. Carousel aggregates and enriches the data.

Automatically Send Applicants to the Right Next Step

Carousel now allows businesses to configure a custom URL that applicants are redirected to immediately after completing their application. Whether you want to bring them to a confirmation page, a document portal, your CRM, or a scheduling tool, the redirect happens instantly and seamlessly.

What This Means for Applicants

• Clear next steps: No confusion about what to do after submitting an application.

• Smooth transition: Applicants are guided automatically to the page you choose.

• Consistent experience: The process feels unified and intentional from start to finish.

What This Means for Businesses

• Flexible workflows: Send applicants to any destination URL, from internal dashboards to automated follow-up systems.

• Reduced manual coordination: Eliminate the need for agents to send links or instructions after intake.

• Improved conversion: Ensure applicants reach the right tools, prompts, or content immediately.

This update enhances end-to-end onboarding by giving lenders full control over what happens the moment an application is completed.

We’ve added a major upgrade to the application experience by giving users the freedom to choose how they want to verify their information.

Applicants can now pick between two seamless onboarding paths:

1. Apply Instantly

Users connect their bank through secure open-banking rails, allowing Carousel to verify identity, income, account ownership, and cash-flow data within seconds. This option is ideal for applicants who want the fastest path to approval, offering immediate verification with virtually no manual entry.

2. Apply Manually

For applicants who are not comfortable connecting their bank or prefer to provide information themselves, the Manual option allows them to enter income details, upload documents, or complete steps at their own pace. This route still benefits from Carousel’s automated checks, data validation, and fraud detection tools, but allows for more flexibility and personal control.

By offering both options in one flow, Carousel supports a wider range of user preferences and comfort levels, to maximize the number of completions. Applicants who want speed can complete everything instantly, while those who prefer a more traditional approach still enjoy a guided, modern process. Regardless of the path chosen, the experience remains secure, compliant, mobile-friendly, and fully orchestrated across verification partners.

This update empowers users, reduces drop-offs, and helps organizations onboard more applicants with confidence.