The Bank Operating System for What’s Next

Unify payments, accounts, treasury and AI without replacing your core. Launch faster and operate with greater control.

One platform. Infinite possibilities.

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Trusted by Forward-Thinking Banks

A server room filled with numerous servers and digital icons representing network connections and data flow.

Your infrastructure wasn’t built for real-time.

Disconnected payment rails. Siloed digital channels. Legacy account systems. Each one requires months to launch, weeks to fix, and constant manual intervention.

The result: You’re moving at the speed of your slowest system while competitors launch new products in days.

One platform.
Infinite possibilities.

Launch new payment rails and services without disruption, support new distribution models and emerging channels such as embedded banking, and enable tokenized money, and transform with confidence.

Innovate at Fintech Speed

Configure, test, and launch new products from our Galaxies in weeks, not quarters.

Fedwire Icon - Connected financial arrows icon.

Control at Every Layer

Automated compliance, real-time risk management, and a superior banker experience.

Fednow Icon - Circular refresh or sync icon.

Built to Scale

Support global bank volumes with a proven, mature, and trusted platform.

Swift Icon - SWIFT international transfer icon.

Grow Without Limits

Break free from legacy constraints, innovate at market speed, and scale with ambition.

Our galaxies. Build your universe of banking.

Each galaxy delivers a specialized set of services- payments, accounts, digital banking, trade, and tokenized assets, powered by the same operating system with unified controls.

Deploy one galaxy or combine them to build the operating system your bank needs.

Finzly Bank OS diagram showing Payment, Token, Digital, Trade, and Account Galaxies.

Payment Galaxy

Orchestrate payments across all rails through a unified engine with centralized controls and operational oversight across ACH, Fedwire, Swift, RTP, FedNow and tokenized rails.

Account Galaxy

Modern specialty deposit accounts, including tokenized deposits and virtual account structures across all verticals, with real-time visibility via a virtual ledger.

Global currency exchange and international finance icon

Trade Galaxy

FX trading, Trade finance and Derivatives trading from one advanced core-independent platform that helps you win treasury business from corporates and enterprises.

Token Galaxy

Prepare for stablecoins and tokenized deposits with the most advanced unified payments and ledger for money movement and assets.

Digital Banking and finance network icon.

Digital Galaxy

Deliver unified experiences across every channel, meeting customers where they are with specialty digital experiences that build loyalty all from one platform.

Agentic Galaxy

Embed Al directly into your banking operations with governance built in from the start.

Our Solutions

SOLUTIONS

Payment Modernization

Transform Wires, ACH, and launch instant payments at your speed without core disruption. ~99% STP rate. 60% cost reduction. Launch in Weeks.

See Modernization Path

SOLUTIONS

Embedded Banking

BaaS infrastructure for sponsor banks and banks that want to cater to high-volume platform partners, scaling virtual accounts, multi-rail payments, unified APIs, partner banking experiences.

Explore Embedded Banking

SOLUTIONS

Advanced Treasury Management

Cutting edge solutions for banks wanting to offer multi-rail, real-time treasury services including FX trading, letters of credit, interest rate hedging, and cross-currency liquidity management on a unified platform.

Explore Treasury Tools

SOLUTIONS

Unified Banking Experience

Build vertical-specific experiences for corporate clients, unifying payables and receivables across every channel, rail, and payee preference – one seamless interface that plugs into your existing digital banking or runs standalone.

Explore Unified Banking Experiences

SOLUTIONS

Pay by Bank

Provide Pay-by-Bank A2A APIs and embedded widgets for merchants and platforms, enabling seamless, scalable acceptance and allowing banks to capture new revenue from fintech intermediaries in A2A payments.

Explore Pay-by-Bank Solutions

SOLUTIONS

Build Your Bank Your Way

Composable banking infrastructure

Deploy what you need, when you need it. Mix and match Galaxies without forced bundling.

Explore Bespoke Solutions

Built for banks. Proven at scale.

60

Cost Reduction in Payment Processing Operations

20

Awards in Payments Innovation and Fintech Excellence

~100%

Straight Through Processing

“

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 RosenbergExecutive Vice President, Head of Global Payments Group , Metropolitan Commercial Bank

“

Finzly’s platform 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 KartoSVP, First National Bank of PA

“

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 SahrVice President of Payments, Wings Credit Union

“

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 LawrenceEVP & COO, EverBank