Supercharge BaaS revenue growth

Deliver Banking as a Service (BaaS) solutions to fintech partners and corporates directly from your bank, eliminating reliance on third parties.

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Onboard fintechs and partners in minutes

Easily integrate fintech partners for embedded banking without needing a separate BaaS platform. With Finzly’s real-time, 24/7 virtual accounts and virtual ledger, you can onboard partners in minutes, fully customized to meet your reporting and their specific needs. Maintain complete control and visibility while ensuring compliance with FDIC regulations – all without depending on core systems or third-party providers.

Benefits you can bank on

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More revenue streams

Increase BaaS and embedded banking revenue without sharing profits with BaaS platforms or incurring platform fees.

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FDIC rule compliant

Achieve regulatory compliance and transparency with our FDIC-compliant accounting and reporting.

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24×7 embedded banking core

Real-time, always on: no missed transactions.

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FedNow-powered deposit accounts

Be the first to offer APIs for FedNow-enabled deposit accounts to fintechs and corporations, granting them access to all payment rails through a single integration.

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Diverse collection of open APIs

Allow fintechs and corporate customers to embed open APIs for payments, deposits, FX and fintech accounts.

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White‑labeled platform

Offer a fully white‑labeled, turnkey BaaS platform – pre‑loaded with a suite of open APIs and developer documentation, including access to sandbox to help them test and launch their products.

Real‑time virtual accounts

Create an unlimited number of virtual accounts for your fintech partners for custodial and beneficial accounts, providing real‑time visibility and cost savings.

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Integrated ledger

Offer fintechs a fully integrated virtual ledger, enabling seamless reconciliation with real-time accounting.

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Unified payments API

Offer a unified API for all payment types – ACH, wires, FedNow, RTP.

A comprehensive embedded banking core

Say goodbye to fragmented APIs, BaaS platforms and isolated legacy systems. With Finzly BankOS, you can attract fintechs with APIs for payments, deposits, virtual accounts, foreign exchange, and advanced accounting – all within your bank’s estate. This all-in-one operating system serves as your embedded banking core. Our real-time, 24/7 scalable platform empowers you with complete control, full visibility, and unmatched agility to grow these partnerships.

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Insights

Categories: Blogs

Same Day ACH $10 Million Limit: What Banks Need to Know

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Categories: Industry Insights

Datos Report: Programmable Money Starts Here – The Virtual Ledger as Banking Infrastructure

Categories: Blogs

How Virtual Accounts Help Banks Capture Class Action Settlement Revenue

FAQs

Not at all. Open Galaxy is core-independent. It runs alongside your existing core, so you can modernize your offerings without going through a costly or risky core conversion.

Yes. Open Galaxy eliminates the need for middleware by offering direct, unified APIs across all banking functions—payments, accounts, deposits, FX, and compliance—in one platform.

Third-party BaaS providers take a cut of your revenue and control the customer relationship. With Open Galaxy, your bank owns the infrastructure, the partner experience, and the revenue stream—without outsourcing compliance or operations.

Open Galaxy gives you a turnkey platform with developer-ready APIs, real-time processing, and built-in compliance—reducing time-to-market and cost compared to building or stitching together multiple systems.

By removing the dependency on core changes, middleware, or external BaaS platforms, Open Galaxy empowers you to launch embedded banking services fast, integrate across any vertical, and grow revenue—all from your infrastructure.