About AffordX

A privacy-safe affordability index for programmatic advertising, designed to improve relevance without complex algorithms or long-term data contracts.

Why AffordX

Privacy & platform-safe

Designed for relevance optimization and suppression. Not income targeting. Not credit scoring. Not eligibility decisions.

Always updating

The AffordX index is continuously refreshed so deciles remain current as markets, seasonality, and consumer behavior change.

Fast to deploy

No data science team required. No bespoke modeling. Use category presets and apply the decile bid layer in minutes.

No long-term contracts

Start with a suppression-only pilot. Avoid heavyweight, multi-month data agreements and complex onboarding.

Simple & trader-native

Outputs deciles + net-CPM-neutral bid multipliers. Clear actions: suppress, de-emphasize, neutral, emphasize.

Low risk to try

Pilot without creative changes or channel shifts. If it doesn't work, you learn exactly where waste lives.

Underlying logic

Probabilistic modeling

AffordX uses aggregated behavioral signals, category-level patterns, and market context to estimate affordability likelihood—not individual income or credit data.

Output: a relative decile (1-10) that helps advertisers align spend with conversion potential.

Always updating

Affordability and conversion likelihood shift with seasonality, macro conditions, pricing, and product mix. AffordX is built as a continuously refreshed index so deciles remain current over time.

Practical impact: traders avoid "stale segments" and don't need to rebuild logic each quarter.

How it's deployed

Category presets

Auto, luxury, travel, premium home goods—start from templates tuned for common use cases.

Custom thresholds

Adjust suppression/emphasis rules to match your product's price point and customer base.

DSP integration

Apply bid multipliers as a targeting layer in your existing DSP workflow—no new tech stack required.

Use case examples

Luxury auto

Suppress deciles 1-3 (very low fit), neutral on 4-7, emphasize 8-10. Result: 25% lift in test-drive bookings with flat CPM.

Premium travel

Suppress 1-4, neutral 5-8, emphasize 9-10. Result: 18% increase in booking conversion rate with no spend increase.

Compliance & intended use

What AffordX is designed for

  • Advertising relevance optimization
  • Suppression of misaligned impressions (guardrails)
  • Net-CPM-neutral bid shaping to preserve pacing

What AffordX is not designed for

  • Income targeting or "financial status" labeling
  • Creditworthiness scoring or underwriting
  • Eligibility decisions for credit, housing, employment, insurance, or public services
Policy posture: AffordX is a probabilistic, relative index used to improve ad relevance—not to determine access to opportunities.