Two Dots develops AI underwriting and fraud prevention technology for multifamily operators and lenders. Founded in 2021 and headquartered in San Francisco, the company automates consumer screening and underwriting decisions through its primary product, Eve - a conversational AI agent that combines income verification, fraud detection, and real-time data processing to evaluate applicants.
Eve reduces decision timelines from days to minutes by automating workflows that traditionally require manual review. The platform handles complex income cases that conventional systems struggle to process, and has been used by over one million people to access housing and credit while processing more than seven million documents.
Two Dots serves clients across the United States in the multifamily housing, property management, and consumer lending sectors. The platform eliminates manual underwriting workflows while maintaining the ability to assess applicants with non-standard income profiles.
