Embedded Banking & BaaS

Ship Banking Features in Weeks

Virtual accounts, multi-rail payments, and real-time ledgers. Built for fintechs that move fast.

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Digital payments platform connecting virtual accounts, cross-border transactions, ACH, RTP, and APIs with real-time analytics dashboard

Why Fintechs Choose Finzly

Speed and

Sophistication

Launch banking products in weeks with infrastructure that scales to millions of transactions. Virtual accounts, payment orchestration across all rails, real-time ledgers—all through developer-friendly APIs.

Built on the same platform processing $180B+ annually for banks.

Ship in Weeks

Modern APIs, pre-built integrations, comprehensive docs. Launch banking features without sacrificing quality.

Every Rail, One API

ACH, wires, RTP, FedNow, cards—orchestrated through the same endpoint. No vendor juggling.

Virtual Account Infrastructure

Create unlimited virtual accounts. Real-time balances, automated reconciliation, multi-currency support.

Scale to Millions

From 100 users to 1M+ daily transactions. Infrastructure handles complexity while you focus on product.

Complete Banking Infrastructure

Virtual Accounts at Scale

Create and manage unlimited accounts for users, merchants, or sub-ledgers. Real-time balance tracking.

Payment Orchestration

Send and receive across ACH, RTP, FedNow, wires, cards. Intelligent routing by speed, cost, availability.

Real-Time Ledger

Multi-currency ledger with real-time updates, double-entry accounting, audit trails.

Developer-First APIs

RESTful APIs, webhooks, comprehensive SDKs. Sandbox with realistic test data.

Compliance & KYC

Identity verification, transaction monitoring, automated compliance—integrated into payment flows.

White-Label Ready

Your logo, domain, and UX. Finzly powers infrastructure invisibly.

From API Key to Production

Intergrate

Start in sandbox. Test account creation, payments, ledger ops. Full docs and support included.

Configure

Set user flows, compliance rules, routing logic, white-label branding. No-code for common scenarios.

Launch

Go live with production APIs. Monitor via developer dashboard. Scale seamlessly.

Frequent Use Cases

Close-up of a person holding a smartphone next to a laptop, with a glowing digital overlay showing a bank icon surrounded by financial symbols like a piggy bank, credit card, and security shield.

Vertical SaaS Payments

HR platforms add payroll accounts. Construction software embeds payment flows. Practice management offers client billing.

A person uses a laptop and holds a credit card, with digital shopping icons and swirling light effects overlaid, symbolizing online shopping and cybersecurity. A potted plant is visible in the background.

Marketplace Banking

E-commerce marketplace holds funds in escrow, splits to sellers, handles instant payouts, all automated.

A person in a suit holds a tablet displaying holographic financial charts and data, with a city skyline visible through large windows in the background.

Neo-Bank Products

Launch checking, savings, spending controls, instant money movement through Finzly infrastructure.

Built For Developers Who Ship

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Modern APIs

RESTful APIs following industry best practices. SDKs for Node, Python, Ruby, Go.

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Real Documentation

Code examples, interactive explorer, troubleshooting guides written by engineers—not marketers.

Sandbox Environment

Full-featured testing with realistic data. Test edge cases without touching production.

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