The Modern Operating System for Banks

A real-time, modular platform for payments, ledgers, trade, and digital banking—designed for scale and control.

Explore How We Can Help You

Banking software platform with payment hub, FedNow, RTP, and other financial services.

Engineered for the real challenges of modern banking.

Finzly delivers speed, agility, modernization, and radically simple payments through core-independent, API-first, cloud-native, and international banking solutions.

Purple semi-circle icon on transparent background

Regain Your Advantage

Fintech-powered solutions are driving customers away from traditional financial institutions.

Finzly’s modern solutions provide the features and speed to market FIs need to compete with fintechs.

Three purple vertical pill‑shaped columns each split into top, center, and bottom blocks on a transparent background.

Think Beyond Your Legacy Systems

Legacy payment platforms are expensive to operate and can’t adapt to market changes.

Finzly’s API-first, cloud-native payment platform empowers FIs to reduce technical debt and drive innovation.

Purple hierarchy icon with one node branching into three lower nodes on a transparent background.

Streamline Operations

Operational processes are labor intensive and lack flexibility, reducing efficiency.

Finzly’s composable workflows give teams the freedom to create processes aligned with customer needs.

Purple bar chart icon with four varying height bars on transparent background.

Regulatory Compliance

Regulations and standards are rapidly changing, growing in number and complexity.

Finzly’s cloud-native solutions deliver automatic updates giving FIs the capabilities to stay compliant.

Explore All Solutions

Future-ready innovation. Legacy-free execution.

Compete today with a proven platform built for tomorrow. Make changes effortlessly, at the speed you need.

Power Platform

A cloud-native sidecar core with ready-made connections to payment rails and microservices.

Plug & Play Apps

Ready-to-launch apps that help put you on the path to rapid transformation.

Open APIs

Integrated APIs that connect with your internal and external ecosystems.

Experiences

Tailored experiences to impress your bankers, consumers and business customers.

Power Platform

A cloud-native sidecar core with ready-made connections to payment rails and microservices.

Plug & Play Apps

Ready-to-launch apps that help put you on the path to rapid transformation.

Open APIs

Integrated APIs that connect with your internal and external ecosystems.

Experiences

Tailored experiences to impress your bankers, consumers and business customers.

Speak With Our Experts

Banking without limits through a connected ecosystem

Finzly empowers banks with an ecosystem of products designed for speed, agility and efficiency.

Payments

Centralize payment processing for ACH, Fedwire, RTP, FedNow and Swift. All your payment rails under one system. Modularly or completely.

Accounts

All the agility of modern multi-currency deposits, backed by the reliability of a 24/7 real-time ledger and virtual accounts to help you scale.

Digital experiences

Attract, engage and delight tellers, consumers and business customers with instant payments and hyper-tailored customer experience.

Embedded banking

A complete set of open APIs for Deposits, FX, Virtual Accounts and a unified Payment API for all rails.

International banking

A best-in-class FX Trading, International Payments and Trade Finance solution for a truly borderless banking experience.

Agentic AI

Hear What Our Clients Have to Say

Professional woman with wavy brown hair smiling thoughtfully while resting chin on hand at modern desk with laptop.

"We selected Finzly for its ability to cater not only to our business customers and consumers but also to foster robust partnerships within the payments industry. Through Finzly's advanced payment infrastructure, we now lead the way in delivering advanced payment experiences, positioning us at the forefront of financial innovation."

Nick Rosenberg, Executive Vice President, Head of Global Payments Group , Metropolitan Commercial Bank

"Finzly’s FX STAR is easy to learn and stands out in customer experience. We are now able to deliver a client interface that is at par or superior than larger banks. Our clients can get FX quote anytime and enjoy a great experience."

Yenner Karto SVP, First National Bank of PA

"When evaluating our trade finance service, we knew we needed to improve how we managed our operations if we planned to grow the business. With Finzly, we will be able to introduce stronger process automation, more easily and efficiently track our portfolio of letters of credit, standbys, guarantees, collections and financing. And with our new client portal, our customers can self-serve and manage their trade finance products online."

Paul Jarrett, Senior Vice President and Director of Treasury Management Products at Arvest

"This partnership with Finzly gives our payment infrastructure the flexibility to adapt to customers' needs, while also allowing us to streamline operations for our internal teams. With 100% STP in Fedwire processing and seamless multi-core integration, we are positioned to set new benchmarks in speed, efficiency, and customer experience."

Mark Moroz Head of Deposits and Payments, Live Oak Bank

"Vantage Bank is revolutionizing how we manage payments across all our business lines with this innovative platform. Not only does it streamline the payment process, but it also unlocks valuable data, enabling us to enhance internal automation and respond swiftly to our customers' evolving needs, now and in the future."

Shawn Main, Chief Business Architect at Vantage Bank

"As industry regulations evolve and our members increasingly demand faster, real-time payment services, it was essential for us to find a partner that could provide modern, scalable technology.  Finzly’s platform impressed us with its ability to unify multiple payment rails — like ACH, wires, and real-time payments — on a single system while ensuring compliance with ISO 20022. This partnership positions us to deliver a smoother, more seamless payment experience for our members."

Mike Sahr Vice President of Payments, Wings Credit Union

"At Frost, we work hard to make our customers' lives easier and better. By partnering with Finzly to deliver FedNow and RTP instant payments solutions, we can provide our customers with more options beyond traditional payments methods, enabling them to move money at the speed they need, when ever they need it."

Aaron Wiatrek, Senior Vice President, Frost Bank

"We chose Finzly based on a few key factors: the platform provides features that support foreign exchange (FX) and foreign currency payment processing, it converts USD to FX, it delivers appropriate disclosures and receipts for customer payments, and interfaces with other technology for trades and settlement."

Lindsay Lawrence EVP & COO, EverBank

We don’t just win awards, we redefine the game.

Finzly is the gold standard in banking transformation—trusted, awarded, and proven. Our award-winning platform empowers banks to modernize, innovate, and lead with confidence. With 20+ industry accolades in just two years, Finzly isn’t just driving change—we’re defining the future of banking.

About Us

Award-winning solutions. Charlotte's Best and Brightest Companies to Work For Winner 2023 award.

Insights

News & Insights

The Modern Operating System for Banks

A real-time, modular platform for payments, ledgers, trade, and digital banking—designed for scale and control.

Engineered for the real challenges of modern banking.

Regain Your Advantage

Think Beyond Your Legacy Systems

Streamline Operations

Regulatory Compliance

Future-ready innovation. Legacy-free execution.

Power Platform

Plug & Play Apps

Open APIs

Experiences

Power Platform

Plug & Play Apps

Open APIs

Experiences

Banking without limits through a connected ecosystem

Payments

Accounts

Digital experiences

Embedded banking

International banking

Agentic AI

Payments

Accounts

Digital experiences

Embedded banking

International banking

Agentic AI

Hear What Our Clients Have to Say

We don’t just win awards, we redefine the game.

Insights

American Banker Webinar On Demand: The Modern ACH: Faster, Smarter, Compliant

The Great ACH Cloud Migration: Why Banks Are Moving Fast Off Mainframes

Tokenized Money & Banks: Dean Nolan on AWS Industries LIVE

Build your bank, your way.

Bank transformation, radically simple.