Attribution for fintech apps, measured to KYC and first deposit
An install is not a customer until KYC clears and money moves. Linkrunner ties every verified account, deposit, trade and disbursal back to the campaign and creative that paid for it, then sends that signal to Meta and Google.
Lending, investing and bookkeeping teams trust Linkrunner to measure installs to KYC and first deposit
Customers include CashBook, Stratzy, Fold Money, Pocketful, Richie, Saras, Karobar, BukuWarung, The 1% Club.
KYC approved is where a fintech install becomes a customer
Many fintech installs never pass KYC, so a campaign that wins on cost per install can lose on cost per verified user. KYC approval is the earliest event that proves a real, eligible person, and the first money event (deposit, trade, disbursal or policy purchase) proves intent. Optimise ad platforms on KYC approved and judge budgets on the money event.
- Install
- 1KYC submittedSame session to 1 daySeparates browsers from people willing to share documents
- Optimise on thisKYC approvedHours to 3 daysEarliest proof of an eligible user; confirmed by your KYC vendor, so send it server to server
- 3First deposit or funding1 to 7 daysProves money intent; send the amount with it
- 4First trade or transaction1 to 14 daysThe habit event for investing, payments and neobank apps
- 5Loan disbursedDays to weeksDisbursal is what pays back a lending campaign
Why fintech attribution breaks after the install
The event that matters lands on your server, days later
KYC is approved by a vendor callback, deposits settle through a payment gateway and loans disburse from a lender's system, none of it inside the app session. Send these through the server-side event and payment APIs and they stay tied to the install that started them, whether they arrive on day 1 or day 9.
How Linkrunner attributes installs →
Click lookback per network
Ad click 10 days before the install
Click lookback 1 to 30 days. View-through 1 to 24 hours, off until you turn it on.
High CPAs attract affiliate and incentive fraud
When an affiliate earns on every KYC, click injection, install hijacking and device farms follow. Managed fraud rules run on every project from day one, and affiliates get rejection postbacks with reason codes before you pay out.
See Fraud Control →Financial data is sensitive
Attribution does not need names, phone numbers or PAN. PII hashing is opt-in. On Enterprise, Bring Your Own Cloud keeps raw events and identifiers in your own cloud account when your security team, a DPDPA review or a regulated partner asks where data sits.
Bring your own cloud →
Linkrunner data planeRestricted targeting puts the weight on your conversion signal
Ad platforms restrict how financial products can be targeted, so the event you send back is how the algorithm finds verified users. Send KYC approved or first deposit with value, not installs (on iOS, through conversion value mapping), and keep sensitive details out of event names and parameters.
Set up Meta and Google postbacks →
PurchaseUSD
purchaseUSD
PurchaseUSDClick lookback per network
Ad click 10 days before the installClick lookback 1 to 30 days. View-through 1 to 24 hours, off until you turn it on.
Where fintech teams find verified users
- Meta: app campaigns optimised on KYC approved or first deposit through the Conversions API, where the signal you send matters more than narrow targeting.
- Google App campaigns: import KYC approved or first deposit as a conversion action; spend imports, so cost per verified user sits next to Meta.
- Affiliate and CPA networks: pay on KYC approved or first deposit, never on install, with postbacks withheld for flagged traffic. Everflow is supported.
- Referral programmes:
?referrer=links carry the code through install; your backend validates it, blocks self-referrals and pays the reward. Referrals report as their own channel. - Apple Ads: high-intent iOS searches for trading, UPI and lending terms, attributed through AdServices with no ATT prompt.
How Stratzy found the campaigns that bring repeat deposits
“Linkrunner has helped us quickly and easily understand which campaigns have higher ROAS and, therefore, allowing us to double down on the right channels and campaigns.”
Challenge
Stratzy, an investing app, had 1.23M links on Firebase Dynamic Links, which Google shut down, and reporting on which campaigns drove deposits took hours.
What changed
Stratzy moved its links to Linkrunner and tied every campaign to deposit events.
Outcome
Repeat deposits nearly doubled and reporting time fell from hours to minutes.
Frequently asked questions
Measure the users who clear KYC, not the installs that never do
Your first 25,000 attributed installs are free with every feature, and most teams go live within a week.