# Spend, credit, and market data in one query

Source: https://www.hotdata.dev/industries/fintech
Site index: https://www.hotdata.dev/llms.txt

Join transactions, payments, and market data across every source in milliseconds, without touching production.

## How data flows

Data comes from:
- Operational database
- Payment processor
- Data lake

Hotdata runs in your VPC (Cross-source joins, Forks, Audit trail), and the data is used by:
- Analysts
- Risk models
- Internal apps

## Common workloads

- **Spend and expense analytics.** Roll up card and expense activity by company, team, and category, and flag spend that breaks policy.
- **Credit decisions.** Pull an applicant's full history in one query, so decisions come fast. 9×: Faster than ClickHouse, on the same hardware.
- **Research on market data.** Run many research queries over years of market data at once, with no one waiting. 5×: Faster than Snowflake, with 10 concurrent clients.
- **Collections and payables.** Track what each customer owes and has paid, including installments, and what each partner is owed.
- **Reconciliation and reporting.** Match records against processor and bank data, and flag the ones that disagree. [16×: Bigger Snowflake warehouse, still slower than Hotdata.](/blog/benchmarking-concurrency-on-hotdata-snowflake-and-bigquery#sizing-and-cost-implications)

## How Hotdata fits

- **Many queries at once.** With 10 concurrent clients, Hotdata runs 5× faster than Snowflake.
- **One SQL surface across sources.** Join operational databases, payment processors, and lake tables in one query, written in PostgreSQL, DuckDB, Snowflake, or ClickHouse SQL. See [HotSQL](/docs/sql).
- **Production stays untouched.** Read-only access to production, isolated environments, and a full audit trail.
- **Forks for reproducible work.** Fork a database before a close or a research run, so every result traces back to its data. See [Forking a database](/docs/cli-reference#fork-a-database).
- **Corrections without full reloads.** Upserts, updates, and deletes apply refunds and status changes without a full reload. See [Load modes](/docs/push-data#load-modes).
- **Control over heavy queries.** Run long queries in the background and reuse stored results. See [Query runs](/docs/api-reference/query-runs).

## Get started

The [quick start](/docs/quick-start) gets a table into Hotdata in a few minutes.