XOR is leading a data revolution by providing data owners with the accountability, control and transparency they want to share data and solve industry challenges with confidence. Developed by data, technology and analytics experts, XOR helps organizations optimize and monetize the data they possess, with data from other companies in their industry as well as other industries.


XOR has developed the nation’s first permission-based data exchange, where data owners set finely tuned permissions for how their data is used. Unlike a consortium, which has a one-to-one sharing relationship, XOR exchanges can be used by any industry to share any data for any purpose allowed by the data owner.


XOR's patent-pending technology enables us to create transparent access to data not previously available across industries. No matter what problem you want solved, XOR can build you the platform to securely share or obtain the data you need to meet your business needs.


We are currently facilitating the exchange of data among the nation’s largest financial services and communications companies, but we’re not stopping there. We will make the connections and manage the process of developing data solutions that meets the business challenges and objectives of companies in many industries.

Become An Exchange Member

XOR provides access to unique data sharing that drives incremental lift in risk, authentication, customer acquisition and management, and regulatory compliance. We currently manage permission-based data exchanges that serve credit card issuers, small business lenders, marketplace lenders, and the wireless, cable and satellite industries. We also have several new exchanges in development. To learn more about our exchanges or to discuss a new exchange that will help you propel your business and your industry forward, contact us.

Welcome To The Lab

We’re all about tackling the data and security issues plaguing your industry; but we know tomorrow will bring new problems to solve. XOR Lab is where we create and test new solutions. Check out what we’re cooking up.

XOR Latest Blog Post
LEND360 Preview: The Use of Big Data to Determine Creditworthiness

Posted: on the October 6, 2016 by Mike Cook in XOR News

Today, XOR Founder and CEO Mike Cook joins fellow experts at LEND360 to discuss the use of alternative and Big Data in credit underwriting. Here’s a preview of what’s to come. The definition of Big Data is a moving target. If you define it as anything that doesn’t fit in your computer’s memory, then most… Read More

Let XOR Go To Work For You

We’re interested in hearing about your industry challenges and building solutions that completely demolish them. Plus, you’ll find out the latest breakthroughs in XOR’s mission to revolutionize data sharing.