AdZeta will be at Money20/20 USA in Las Vegas, October 18 to 21. AdZeta at Money20/20 USA, Oct 18 to 21 See what we do for banks and fintechs
Meet the AdZeta team at Money20/20 USA, Las Vegas, October 18 to 21. Book a time
For banks, credit unions and fintechs

Bid on funded accounts, not account opens.

Google and Meta bid toward the conversion they are told about. For a bank, credit union or fintech, that is usually an application or an account opening. The value shows up later, in funded accounts and balances. ValueBid™ predicts that value within minutes of the first conversion and sends it to value-based bidding.

Book 15 minutes at Money20/20 How it works
Same campaignsNo new tags or pixels, and no campaign rebuild.
Same budgetThe platforms' own bidding does the work. We change the value it learns from.
Better signalPredicted funded value, sent through Google and Meta server-side APIs.
The problem

The auction sees the application. The value is in the deposit.

Every application looks the same

An application or account opening looks the same to the auction whether that customer never funds or becomes one of your most valuable relationships.

Funded-account signals arrive too late

Funding and balances build over weeks and months. A funded-account-only conversion is too slow and too sparse for the bidder to learn from.

So the auction buys the cheapest applicants

Without a value signal at the first conversion, bidding keeps buying whoever is cheapest to convert, not the customers who fund and stay.

Security and data use

Ready for your security review

We can join your security review directly. Report and policies are public at trust.adzeta.io.

  • SOC 2 Type II, independently audited by a third party.
  • Read-only, pseudonymized export. Names, emails and phone numbers can stay with you. Personal IDs are SHA-256 hashed before they leave.
  • Mutual NDA before any data moves.
  • Google and Meta receive a predicted value and a hashed ID, never customer history, balances or transaction data.
Predicted values are used only for ad bidding, never for credit, eligibility, pricing or underwriting decisions.
How ValueBid™ works

Predicted funded value at the first conversion

Same campaigns. Same budget. Better signal.

01

Predict

One model per institution, trained on your own customer history, predicts funded value from the first conversion: the application, signup or account opening.

02

Calibrate

Turn predictions into stable values the bidder can learn from.

03

Dispatch

Send a predicted value and a hashed ID to Google Ads and Meta through their server-side APIs (Google Offline Conversion Import, Meta Conversions API).

From qualification to read

How an engagement works

01

Qualify

Free, 2 to 3 days. Ten checks on a read-only export answer one question: would predicted value change who the platforms bid for? If the gap is too small, we say so and stop.

02

Connect

About 2 weeks.

03

Test

60 to 90 days. A 50/50 holdout: the control arm bids as today, the test arm bids on ValueBid™ values. The metric, the minimum lift that counts and the read date are agreed before launch. You pick the start date.

04

Read

Early read in weeks 3 to 4, final read at day 90, on 90-day ROAS and the metric you already track.

15 to 60% higher 90-day ROAS for brands we have worked with, driven by how much customer value varies.

Read the consumer fintech case study →
AICPA SOC 2 Type II SOC 2 Type II,
independently audited NVIDIA Inception Inception company
Abhi Agnihotri, Founder and CEO of AdZeta
Abhi Agnihotri, AdZeta's founder and CEO, ran multimillion-dollar growth campaigns at Scotiabank, where he saw predictive LTV used to find customers who fund accounts, not just open them.

Meet our founder at Money20/20

15 minutes in person in Las Vegas, October 18 to 21, with Abhi Agnihotri, AdZeta's founder and CEO. Bring your questions on bidding for funded accounts.

Book 15 minutes

Not at the event? Request a free qualification

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