Pagaya Technologies Ltd. is a financial technology company that develops and operates an artificial intelligence-driven network for the financial services industry. Its core purpose is to help banks, fintech lenders, auto finance providers, and residential real estate service companies evaluate and originate consumer credit and other financial assets more efficiently using proprietary machine learning, data science, and real-time decisioning technology. Pagaya’s platform connects these lending partners with institutional and other sophisticated investors through structured funding vehicles, enabling partners to extend loans and other products without relying solely on their own balance sheets. The company offers a suite of AI-powered solutions that support credit underwriting, decline monetization, dual and first-look evaluations, and customer acquisition across direct and affiliate channels, creating an integrated credit and funding infrastructure. Pagaya Technologies Ltd. was incorporated in 2016 and is headquartered in New York, with significant technology operations in Israel, and today serves financial institutions and investors across the United States, Israel, the Cayman Islands, and other international markets.