The Operating System for Banks Winning the Next Decade

Unify payments, accounts, and treasury on a composable platform that lets you launch new products and rails—without touching your core.

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.

Accelerate innovation with a modern, API-first, cloud-native, AI-powered platform that surrounds your core, so you can modernize at your pace. Launch new payment rails, services, and channels without disruption, 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.

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Built to Scale

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

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Grow Without Limits

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

Our galaxies. Build your universe of banking.

Finzly BankOS brings together the essential capabilities banks need to operate in a real-time, digital, and global financial system. 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 and process payments across ACH, Wires, RTP, FedNow, SWIFT, and tokenized rails – faster processing, lower operational complexity, and full compliance across fiat and digital assets.

Account Galaxy

Manage every client account from one platform. Checking, savings, and specialty accounts to digital wallets, supporting fiat, stablecoins, and tokenized deposits.

Global currency exchange and international finance icon

Trade Galaxy

FX, trade finance, and swap trading from a single unified platform. Execute, manage liquidity, and settle alongside your payments infrastructure.

Token Galaxy

Launch tokenized deposits and support stablecoins like USDC across issuers, consortia, and blockchains with complete compliance, audit, and control alongside fiat.

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 that scales. Virtual accounts, multi-rail payments, unified payment APIs, and partner banking portal for fintechs shipping fast.

Explore Embedded Banking

SOLUTIONS

Advanced Treasury Management

Multi-rail treasury in real-time. Trade foreign currencies, manage letters of credit, hedge your loan with interest rate swaps, and manage liquidity across multiple accounts in a multi-currency real-time trading and payment platform.

Explore Treasury Tools

SOLUTIONS

Unified Banking Experience

Unified banking experiences that work everywhere. One unified platform for all payments across every channel, ERP, SFTP, API, and teller, with enterprise-grade risk controls and a simple, superior user interface.

Explore Unified Banking Experiences

SOLUTIONS

Pay by Bank

Instant payouts with multi-state compliance. Handle peak volume events without downtime. Payout in <10 seconds.

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