In today's financial services ecosystem, financial institutions are not able to recoup any costs associated with the operating complexities of accurate reporting. The Spring Protocol changes this paradigm by compensating the financial institutions for contributing information, effectively lowering the cost of on-boarding new customers. Economic incentives are designed to bring new types of data (e.g. asset managers, insurance, telecoms, streaming services, utility data, etc.) into the ecosystem, painting a more holistic picture of consumers.